BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: DISCOVER BANK
State: WI
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:
This complaint concerns a product I purchased last year and my unsuccessful attempts to get my money back. Im dissatisfied with the product, as well as the actions/treatment from several companies related to the product. The parties involved are Discover Card, XXXX  and XXXX. On XX/XX/21 I ordered a pair of brand new XXXX 's XXXX Regular-fit Non-stretch Straight Leg Zip fly Jeans Rinse Wash ( Size XXXX ) from an online retailer ( XXXX ) for a total of {$29.00}. Upon receiving them, I discovered that they were too small for me. Normally, a size XXXX or XXXX pair of XXXX jeans fit me well, but not in this case. Instead of going through the hassle of returning the jeans and getting store credit for them instead of a refund ( which is often the case with the particular online retailer mentioned above ), I tried selling them on XXXX. Upon receipt of the said jeans, the XXXX buyer accused me of selling fake/counterfeit XXXX  jeans and then returned the pair back to me. I then contacted Discover Card to dispute the charge of the jeans, as I didn't want the jeans nor did I want a pair that could be counterfeit. Per Discover XXXX suggestion to try and work things out with the retailer, I contacted XXXX. They refused to take the jeans back, citing their XXXX return policy. Discover Card sided with XXXX and closed the dispute. Moreover, Discover Card said that they couldnt credit my account as the charge was more than 120 days old. This is not acceptable to me. 

I do not want the jeans. They do not fit me and Im not satisfied with the product. Furthermore, I question the authenticity of the product. The tags are still attached to the item and have not been worn. Im willing to send the jeans back to XXXX  or XXXX. Nevertheless, I want either Discover Card, XXXX or XXXX to refund me my money ( no store credit ) in full. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2017-10-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX/XXXX/XXXX, I made out a check for the amount of {$92.00} to the XXXX XXXX XXXX Tax Collector for renewal of my Tag registration. On XX/XX/XXXX at about XXXX I discovered that my Chase Bank checking account had a withdrawal of {$9300.00} on XX/XX/XXXX and the check for that amount was the same check no. that I had made out to the XXXX XXXX XXXX XXXX collector. 
I notified Chase fraud Dept. immediately and was advised to also call the Chase claims dept. the very next day which I did. The claims dept. requested forms to be filed with necessary documents ie Police Report and XXXX report to begin their investigation. 

I later learnt that the check was washed and altered and made out to an unknown individual. It was deposited in a XXXX Bank in XXXX, Fl. I also learnt that the XXXX police detective had found a camera with a recording of an individual breaking into the XXXX mail box I had used on the same morning I dropped it in. 

The forms and requested documents were faxed to the claims dept. through chases local branch. I was advised that it would take 60 to 90 days or up to 120 days for a resolution and will be reimbursed. 

It's been over 180days with no resolution or reimbursement of my money. I have been diligent in calling the claims dept. and going to the local branch for their staff to call the claims dept. since it has been an ongoing frustration of missing documents or not receiving the faxed papers or received mail stating my case was closed and will re-open when requested documents are provided. 

On XX/XX/XXXX I called the claims dept. again for an update and once again informed that they did not receive documents. I reminded the representative that a 3rd fax was sent on XX/XX/XXXX from the local branch. I was placed on hold for a moment then was told that Chase is unable to do anything further and it was in the hands of the other bank and that there was a high probability that I will not be reimbursed. 

On XXXX I received a letter from Chase claims Dept. stating that they are working on my behalf with the other bank as XXXX is responsible for reimbursement and they will make a decision on my claim. It may take an additional 90 days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Keystone Law LLC
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:
In XXXX of XXXX I was sent a letter stating that I owed a debt to " XXXX XXXX XXXX XXXX '' This debt was not mine and after speaking with a representative from XXXX XXXX   they could not verify why I was being contacted in regards to this debt. I spoke with the contact person for XXXX XXXX XXXX and explained to them the situation. After over an hour on the phone they told me that my dispute had been registered and that I would no longer receive any communications regarding this supposed debt. 

There is nothing that ties me to this supposed XXXX  XXXX  account other than my name. I have not lived in the state that the supposed package was shipped to and have never been to this state in my life. 

Today, XX/XX/XXXX of XXXX, I received a letter from XXXX XXXX XXXX in reference to the same charges from " XXXX XXXX XXXX. '' This is not my debt and I will be sending XXXX a written letter stating as such. However I would like my complaint to be filed so that I have recourse if XXXX does not accept my refutation of the debt as valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported ZWICKER & ASSOCIATES debt collector twice on your website. This company keeps sending me threatening letters trying to sue me. I explained in the past that my information was compromised and I been trying to correct the issue. Right now I'm dealing with Georgia Labor Department with fraud. 
Someone stole my benefits. I had enough of this company abuse. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This XXXX bank shows no interest in securing credit card payments made by me over the phone. Because I don't have a bank account with them I need to go thru some person they've hired to take my payment which means I have to give my personal checking account information to some low level employee who does that job. We all are aware of their prior hiring problems. I tried making another payment today XX/XX/XXXX and ended up with an employee working from home who was recording my call. When I told her she would need to turn off her recording when taking my payment she couldn't do that so I was stuck on hold for about 15 minutes while she tried to escalate the calm to someone else. I was not able to be connected to someone else and now might be charged a late fee. There is no excuse for someone recording my bank account information. And there is no excuse for my not being able to execute this transaction automatically over the phone. I've told them many times already this process needs to be automated but they are too cheap to do so. Or they are more interested in trying to get me to open a bank account with them then in ensuring my financial security. Either is inexcusable and they need to be warned to invest in the technology so that any payment by anyone can be made over the phone using an automated system. One can't trust sending them payment by mail anymore as long as XXXX remains the XXXX XXXX either.

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 2017-07-06
Company: National Credit Systems,Inc.
State: SC
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 settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

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 2021-09-03
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: Information belongs to someone else

Complaint:
Fraudulent credit card opened in my name

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 2021-09-03
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with One Main Financial on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but One Main Financial took cash. One Main Financial willfully and knowingly failed to Provide/Disclose information required under the provision of 15 use 1601. One Main Financial sent me a letter on XX/XX/XXXX stating the balance due on this alleged debt is {$3700.00} but one main financial is reporting on my consumer report as the account balance being {$3000.00} for the month of XX/XX/XXXX as you can see in the attached exhibits witch is a violation pursuant to 15 usc 1681 ( a ) inaccurate reporting on my consumer report. One Main Financial also Disclosed my nonpublic information with a nonaffiliated third party ( XXXX XXXX XXXX ) witch is a violation under 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow up complaint about the previous complaint XXXX. I contacted Amex many many times and I did not receive the sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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 2020-04-24
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:
more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection

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 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Securitas Financial 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: Personal information incorrect

Complaint:
To Whom It May Concern I XXXX XXXX recently requested a debt validation from XXXX XXXX on this alleged debt on XX/XX/2021. In the responds from XXXX XXXX, they requested to verify my SSN number and where i received this loan location. In my original letter I sent them my last four of my SSN number and the account number of this alleged debt provided by the credit bureaus. I do not have anymore information regarding this alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-12
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: CA
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 there a accounts attached that have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.

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 2017-12-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank on behalf of Wayfair card has given me so many issues while my card tenure with them. I finally paid off this card in full back on XXXX. They charged me interests during a month my card had already been paid off, then charged me a late fee over the already false interest charges. I have tried to get a representative in the line to help me but they never pick up the phone. The amount of money is minimal but I had already paid about this same amount as shown in the attached statement and besides that now theyve marked my account late when I didnt even owe anything. Please help me get this remove from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 there a accounts attached that have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.

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 2021-12-01
Company: NAVY FEDERAL CREDIT UNION
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Since 2018  NFCU has illegally taken personal property NFCU has illegally charged me for payments already made NFCU has illegally repossessed my vehicle without notice NFCU has been verbally abusive NFCU has trespassed on my property NFCU has threatened legal action without proper notification NFCU has made negative reports to credit reporting agencies NFCU has taken illegally taken pictures of my property and my family NFCU has listed my home for sale NFCU has not notified me of options or late payments NFCU has frozen my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation