BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net. 
Thank you for your time and patience. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: Bay Area Receivables, Inc
State: MD
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:
I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. 

Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, four times, Chase Bank would not let me make a funds transfer and locked my account. I called their Electronic Money Movement Team four times, each time they told me the issue has been resolved and the transfer would go through. But it still got rejected and my account locked, four times, all without any notification or explanation from Chase. A service rep named XXXX said I had to go to a local branch to verify account ownership in person. I did that, was told once again it has been resolved, but it still got rejected and my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my Wells Fargo checking and savings account were hacked and XXXX XXXX filed the complaints immediately with my local branchAUTHORIZED transfers were made. One was a XXXX transfer from my savings account for {$480.00} and I never sent XXXX from Savings and only used XXXX a few times in 13 years and never for more than {$250.00}. The same hackers wired {$4500.00} from my checking account and I never ever have wired money from my account to anyone, ever. In fact I wire commissions from my account and I always have had to go to a WFC banker. I filed a complaint within 15 minutes with XXXX XXXX at the town center branch in XXXX XXXX, Fl. .Wells Fargo has denied both claims for the unauthorized XXXX transfer and the unauthorized wire transfer. I am XXXX yrs old retired on a small income and really need your help

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 2022-06-22
Company: DISCOVER BANK
State: NY
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:
Discover card would not help me with a merchant contractor XXXX XXXX who overcharge my discover card for {$1100.00}. The original charges should have equaled {$6000.00} for a roof extension and they broke the charges up by putting my discover card account number on their computer system and charged my account totally {$7100.00}. This was a capitol improvement so there was not tax charged on the project. The company refused to finish the job also leaving bent poles, garbage in the yard, and not installing the soffits that was part of the job. They also opened the walls and left asbestos exposed and they would not seal it up. They also left sharp pieces of metal hanging on the wall randomly down the roofing area dangling. The merchant did not file the permits to do the job, so I am also stuck with issues of getting a Certificate of Occupancy for the job. They are legally responsible and led me to believe that they did their job but they did not.

I asked discover to step in since I am protected from services performed that are charged on my credit card. I asked them to dispute the original down payment of {$1500.00} so that I could hire someone to finish the job and try to work out permits for the CO. XXXX XXXX  stole {$1100.00} from my Discover account and never finished the job. 

I thought I was being fair by asking for {$1500.00}. I could have disputed the whole amount. The work they did is subpar, and they stole money from me. The extra money was unwarranted and not authorized. 

This has been going on since XXXX of XXXX and Discover card rejected my dispute and wont even take the stolen money back from XXXX XXXX. They told me the only way they would refund me is if XXXX XXXX authorized giving me back the money they stole from me. 

I am asking for your help because Discover is protecting this merchant and not my rights. 

It is a shame because I opened my Discover account in XXXX 32 years ago and they would protect one of their merchants over my right under the rules for unsatisfied service clause in the credit laws of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Medical Data Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for services that I did not consent to.I went in for a specific test and XXXX XXXX at XXXX XXXX ran multiple test without my consent.The visit was on XX/XX/2020 with a follow up visit on XX/XX/2020. I was charged and billed for multiple test.I paid the bill for the test I went in for but not the others.I have disputed this bill with the medical company, insurance company and Dr. office, also I have had two different lawyers write letters to them and it has now gone to collections.Totatsl bill amount was {$910.00} and I paid {$58.00} for the test I went in for.

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 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank America listed me in XXXX & XXXXXXXX XXXX XXXX due to fraudulent activity when I have not opened an account with them. I also discovered bank inquiries under my name that I never permitted or signed for

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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
An interest fee charge was assessed by the Capital One company On XX/XX/2020 in total amount of {$27.00} after the credit card debt was paid in full On XXXX XXXX, 2020. They have explained that the interest charge was accumulated from the beginning of the statement cycle until the date when loan has been paid off. I think this company policy should be changed or removed. I have a similar issue with XXXX credit card which they have waived the interest fee as a courtesy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
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:
I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 - XXXX XXXX - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2022-08-19
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 XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-03
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased my car from U.S Auto the end of XXXX of XXXX. They picked my car up XXXX and said I didnt make payments. I paid to get my car out of repossession. A couple of days later they emailed me and said they was closing down. Westlake sent me letters in the mailing saying I didnt pay U.S Auto and I owe XXXX on my XXXX XXXX XXXX XXXX I advised them I have been making payments. I asked westlake did they have my contract because I was trying to get my suv fixed under my warranty. Westlake informed me that they didnt have my warranty and they only taking over the payments. I asked them how am I supposed to pay and get my suv fixed at the same time. Westlake said I owed them XXXXXXXX XXXX  and it was on me to get my suv fixed since they not taking over my warranty. U.S Auto Sales breached my contract by not covering my two warranty Ive been paying for. Westlake threaten to pick up my car if I cant pay them. I work for the XXXX XXXX  XXXX and I get paid twice a month. Without my car I wouldnt have a ride back and forth to work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
For about 1 year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.

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 2023-08-03
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:
My student loans have been consolidated by XXXX. 

However my credit report shows I have multiple loans from the original loan company and now XXXX Showing I have a balance over XXXX This is not accurate. 

The other reports have deleted the old accounts however Experian has kept all the accounts on my file showing the wrong balance and incorrect information Also they still have the incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This has been addressed multiple times and still hasnt been removed Experian is purposely reporting inaccurate information

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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: CA
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 authorized a charge on my United Visa card based on a merchant 's promise of a " money Back Guarantee ''. When I tried to exercise that guarantee, the merchant reneged on the offer. I filed a dispute with Chase Credit Card. on XX/XX/XXXX, I received a letter with documentation from the merchant telling me I can respond. I called and was told I had 30 days but sent my response along with proof of the " money back '' offer within 5 working days. I was told that Chase does not have a set time from responses and the charge was reinstated. That is a conflict to the agreement where is states Consumer protection against fraud. How can there be consumer protection when the consumer is not allowed to present proof of the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
As I was applying for an apartment my credit report came back with an account I do not recognize

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 2021-10-30
Company: U.S. BANCORP
State: CA
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:
Elan Financial keeps charging me for a fraudulent account never authorized by me. In their response, they claim that the address and phone number verify to me. However, I have never had this XXXX phone number nor have I ever lived at the address on the application. Someone has used my social to open fraudulent accounts and phone numbers. 

Additionally, the application had an incorrect last name, which I have never used. The email address and employer also is not my real information.

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 2020-07-30
Company: SUNRISE CREDIT SERVICES, INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is between XXXX and XXXX. Phone were traded into XXXX and XXXX says I owe them for the phones. Sunrise Credit represents XXXX and un-lawfully re-aging reports of Debt Collection on my SSN and messing up my credit. Here is a sample of the Illegal Re-Aging practice as reported to all 3 credit agencies : Collections SUNRISE CREDIT SERVICE has flagged your account as Collections.

Yesterday Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Loan Paid

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