BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card. 

I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX. 

I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to open a Nordstrom credit card account using my name. They were unsuccessful. I was notified by XXXX that this took place. XXXX helped us contact them and all is well, but XXXX suggested I still report it with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-14
Company: Advise Solutions Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I answered my moms cel phone. This person identified himself as XXXX from Advise Solutions Service, stating that my credit was reported for late charges and that he can provide solutions. I told him that I was not interested in their services, and he began harassing me. I told him to please stop harassing and to remove my moms number from their call list. He said that he will be calling every day. I then told him that I will report them to the FTC. Then XXXX continued to harass me. I kept repeating that I was not interested in his services but he kept harassing me. So I cant imagine if he or anyone else from that company harass my mom like that and so disrespectful.

The company name is Advise Solutions Services located in XXXX XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have a student affiliated loan that is governed by XXXX. I understand that XXXX is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to XXXX so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.

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 2018-12-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased 4 tops from a vendor online. I did not fit but the other 3 were  defective ... .. poor workmanship. I thought 1 was okay so I wore it out for an evening. Into the night the shirt became uncomfortablebodice and sleeves were twisting and did not feel good I had to purchase another shirt. When I got home i sent an email to XXXX and explained the situation. I was told it was worn and could not be returned. I responded that I liked the top and would keep it if it were able to be worn but it was defective and i would be returning it with the other 3. I was told that I would be issued a credit for the 3 but the defective one could not go back. The key word here is defective. I was told to send photos to them and I may get permission to return it. I never got a reply but I did return it and they refused to credit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wish to file a complaint on Capital One bank. They are investigating a couple of wires I received because they wrongly believe them to be fraudulent and they are withholding my funds and have blacklisted me on XXXX blocking me from opening an account with any other bank. 

The details of the wires are as follows. My girlfriend, who is working overseas, has a son who is seriously ill in a hospital near XXXX. She was having problems paying the doctor directly so she asked me if I would accept the wires and forward the funds to this doctor. Of course considering her sons health is at stake. I agreed. She first sent me a {$4900.00} wire on XX/XX/2022 to pay the doctor for treatment as needed. 

Capital One made those funds available to me for use. Now since the general rule of banking is once a wire has been accepted by a bank and the funds are debited in an accountholder account, those funds are available for immediate use. So I forwarded a portion of those funds to the doctor. A second wire of {$7600.00} was then sent on XX/XX/XXXX, again accepted by Capital One and deposited into my account for use. Again believing those funds were available for use, I forwarded some of those funds to the doctor on XX/XX/XXXX. Then out of the blue, on XX/XX/XXXX, Capital One reversed the second wire transfer to the doctor, locked my accounts preventing me from having access my money in any account, and actually sent back to funds from the second wire to my girlfriend! I mean what bank does that? I called them to find out what was going on, and they explained they were investigating the wires and believed I was the victim of a scam. Now I am a customer or Capital One, and a bank responsibility is to protect their customers. Now what bank believes their customer is the victim of a scam, yet returns the wired funds to the SCAMMER. By doing so they have created a NEGATIVE {$5100.00} balance in one of my accounts and they are actually demanding I send them funds to bring it up to XXXX. I have two accounts at Capital One. The one that now has a negative {$5100.00} balance due to them returning the {$7600.00} wire to the sender, and a second account that has a positive {$6100.00} balance. But they refuse me access to the account with funds so I can cover the negative balance in the other account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXXXXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXXXXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.

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 2022-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 the XXXX Capital one credit card and recently took a balance transfer into the same account. The balance transfer is held separately at 0 % APR promotional rate for 12 months. I was told by phone twice in previous calls that any monthly payment in excess of the Interest saver payment would go to pay down the promotional balance. However, when I recently paid {$1000.00} over the Interest saver payment, it was not applied to the promotional balance and instead was applied to unbilled transactions of my regular APR account. By using this allocation method, Im shielded from paying down the promotional balance. Unless I stop using the revolving credit card, I have no ability to pay the promotional balance during the promotional period. After calling twice on XX/XX/2022, I was hung up on once, then second time was told these rules were in the terms and conditions. If this is in fact in the terms and conditions, I believe it harms consumers ability to pay off promotional balances through purposeful, hurtful shielding. I have an email which describes the conditions but does not explain that amounts paid above the interest saver option would be applied to purchases that only show on the next months statement and thus they are not honoring their stated grace period for transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Bull City Financial Solutions, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$290.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX account number credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. Account has never been late per company and said the account will be updated as paid as agreed w/no late payments. Company stated their system was posting incorrectly in XXXX and XX/XX/2023. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-08
Company: EQUIFAX, INC.
State: IL
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:
LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX  XXXX. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX XXXX  XXXX THAT MY SSN WAS INVOLVED IN A XXXX  DATA BREACH & FOUND ON THE DARK WEB AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE FTC # XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CrossCountry Mortgage LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In or around XX/XX/XXXX, I fell behind on my mortgage payments due to testing positive for XXXX. This resulted in forced time off from work which resulted in the loss of household income. On XX/XX/XXXX, I applied for a XXXX XXXX loan modification with Cross Country Mortgage. 

For the next ten ( 10 ) months, Cross Country Mortgage kept my client on a proverbial hamster wheel of document submissions in which I was repeatedly asked by the mortgage company to submit the same pay stubs and bank statements over and over again by telephone. Over the span of ten ( 10 ) months, Cross Country Mortgage issued XXXX ( XXXX ) separate requests for pay stubs and bank statements and I promptly replied by providing these documents each time. 

On XX/XX/XXXX, after having received XXXX ( XXXX ) separate document submissions of pay stubs and bank statements from me over a ten ( XXXX ) month period, Cross Country Mortgage denied me for every loan modification which the XXXX XXXX had to offer. In its denial letter, Cross Country Mortgage made a series of false representations designed to delay and frustrate the loan modification review process. First, Cross Country Mortgage deliberately excluded any mention of the XXXX Refund Modification for which I, as a veteran, was entitled to be reviewed for as of XX/XX/XXXX. Second, XXXX XXXX deliberately excluded any mention of the Streamlined loan Modification for which I, as a veteran, was entitled to be reviewed for without having to submit a loss mitigation application as of XX/XX/XXXX. 

On XX/XX/XXXX I was informed by XXXX XXXX 's foreclosure lawyer that a foreclosure auction could be scheduled on my home as early as XX/XX/XXXX and that they were only waiting on the XXXX XXXX moratorium to end. I want to apply for a loan modification in XX/XX/XXXX and I need the CFPB to contact Cross Country to help me stop the foreclosure so my loan modification application can be reviewed. I have a wife and children and we have no where to go if XXXX XXXX takes our house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). Synchrony Bank has violated my federally protected consumer rights by taking adverse action against me Pursuant 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 2023-11-06
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX, asking for verification and validation on this collection account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Bass & Associates, P.C., Attorneys at Law
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tired to get my loans permanently discharged due to my XXXX  XXXX  which basically bars me from a career in my field. I had asked when I applied at the college if a career would be possible with the XXXX  and was told yes. I have not been able to find gainful employment since.Over 10 years out of college. I have debt from XXXX XXXX University   XXXX, The University of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been sued for loans I don't think I even own from XXXX XXXX in XXXX County. I just got a letter from Student Loan Deptartment from the US Department of Education stating I owe {$170000.00} with interest of {$48000.00} and fees of {$27000.00}. I had filed for a discharge years ago and have never received an answer to having XXXX  for a loan discharge before I ever went to college. They have also taken the loans off my credit report and then relist them under new names for the same debt. They are getting ready to try this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2019-10-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor has not provided verification of this debt including evidence that I owe this debt. 
On XX/XX/2019 I requested a formula verification of this debt as a key details were missing from the creditors response.. Specifically, I would like information Showing that I am legally responsible for this debt as I never had an account with the original. I have received no further information on this collection and it is still on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, has 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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