BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 my phone was stolen. I immediately called the police and filed a police report with the XXXX XXXX Police Department. The people who stole my phone gained access to all of the information on it and used my Cash App to empty my bank account and send unauthorized payments to themselves. They made XXXX transactions, a total of {$1500.00}, all going to the same account : $ XXXX. The first payment they sent was {$10.00}, the second was {$1.00}, the third was {$450.00}, the fourth was {$670.00}, and the fifth was {$420.00}. I went to my bank the next day, XX/XX/2022, as I was out of town when the theft occurred and closed my accounts and disputed the charges to Cash App with my bank. I called Cash App on XX/XX/2022 to dispute the charges with them and provided them with the police case report number and images of the card the police gave me with the number on it. After roughly XXXX hours they responded saying they determined the payments to have been authorized by me. After my bank determined that these charges were fraud and not made by me they credited me back the stolen funds. After this my Cash App balance went to - {$1500.00} and I have since opened multiple cases but they send same message after XXXX hours saying they determined that I authorized the payments. I did not authorize these payments and my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX creditor : I tried disputing this many times with Experian. The only XXXX that I have ever had was prior 2014 Bankruptcy that has been XXXX for more than XXXX yrs. When I contact XXXX I can't get anyone to provide me with information regarding these XXXX accounts like the items purchased or the address shipped to. I have been disputing this with Experian and it is still appearing on 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made to two Synchrony home cards from XXXX XXXX in XXXX, NY. Both cards originate from the Synchrony company and were used to make large purchases at the XXXX XXXX store over two months. Once I closed one card they then used another card to make further purchases. These two cards have never been out of my possession or used physically at any store location to make any purchases.

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 2023-11-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank is charging my debit card without my consent on 4 different occasions now. They state they do not do that but my bank statements reflect the charges. I never gave them permission to charge my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Exeter Finance XXXX XXXX XXXX XXXX TX XXXX I have had this XXXX  removed from my credit reports legally through the administrative process however, this company has re-opened an account on my XXXX report claiming I am Past Due {$17000.00} on a car I actually have the pink slip for. I have also not received a 1099 C from aforementioned company which alludes to tax fraud. The payment history is non existent and the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than XXXX  days since I originally wrote them.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed. 

I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive. 

I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled! 

In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar. 

In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors. 

From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years. 

Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX. 

I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next. 

File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX XXXX XXXX account on my credit report which is not mine and is showing as late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a correspondence from attorneys Rubin & Rothman , LLC in an attempt to collect a debt. I was given until XX/XX/2023 to dispute the debt. On XX/XX/2023 I sent a response to Rubin & Rothman , LLC disputing the debt. I did not receive any further information or correspondence from the XXXX, let alone documentation proving that I owe the debt. Instead, Rubin & Rothman , LLC violated the FDCPA and opened a lawsuit against me on XX/XX/2023 in an attempt to collect a debt that was not verified. On XX/XX/2023, I called Rubin & Rothman , LLC requesting a copy of my original finance agreement with the Plaintiff to be mailed to me. I have copies of every written correspondence made between myself and Rubin & Rothman , LLC, and every correspondence created by me was sent via Traceable Mail, either Registered or Certified. Documentation is available upon request.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: IN
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:
We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.

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 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
1. Many times I've contacted customer service about {$35.00} over draft fees coming out twice.

- I am a preferred account holder, I've only seen {$10.00} fees taken one time.

2. Not protecting my account after customer service stated they have set up proper precautions to prevent the account being accessed by outside entities, they have failed and have taken back the money that was owed to me because of fraudulent activity.

3. Money missing with XXXX explanation. Returned them taken back from me.

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 2023-08-04
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-11-03
Company: GLOBAL CREDIT UNION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I am writing you because I feel that the Global Credit Union, XXXX ID # XXXX, is using creative accounting techniques to unfairly increase mortgage loan interest payments from its customers. My original mortgage was with Alaska USA FCU which merged with Global CU. 

For years, I made monthly mortgage payments that included an additional principle payment to pay down the principle on my mortgage loan and reduce the monthly interest due. In XX/XX/XXXX, I noticed that instead of the additional amount being applied to the loan principle, Global CU applied the extra funds as future monthly payments. This resulted in my monthly interest payments staying elevated because the principle was not being reduced. 

I contacted Global CU on XX/XX/XXXX and was told that their computer algorithm automatically applied extra payment amounts towards future monthly payments instead of the loan principle. On XX/XX/XXXX I requested the bank to specifically code the additional payment amount made in my XXXX mortgage payment as additional principle and even received a receipt showing it as an additional principle payment. But but as of XX/XX/XXXX, the additional principle was applied to future monthly payments into XXXX. 

When I obtained my mortgage loan in XXXX through Alaska USA FCU, I was told that there was no penalty for an early payoff. By refusing to reduce the loan principle and keeping the monthly interest payment elevated, this becomes a financial penalty for trying to pay off my mortgage early and allows Global CU to reap an unfair financial gain by charging increased monthly interest amounts. 

While my additional monthly interest amount may not amount to much, if you consider the number of other mortgage interest payments affected by these creative accounting techniques, Global CU is collecting an enormous profit using dubious accounting methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im legally XXXX and I didnt realize someone had used my debit card to make purchases from a company Id never done business with I reported this to Capital One Fraud department The agent told me theyd cancel the card and issue me a new one and take care of the unauthorized charge I was notified by email that they would not take care of these charges and accused me of making them Ive never had this type of issue with a bank in all the years Ive been banking online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23 I received a call on my cell from XXXX. They claimed to be from Target and asked to speak with my husband XXXX XXXX. When I replied that I was his wife they asked for his number. I thought that seemed suspicious that they were asking for me and not my husband so instead I asked for their number so he could call them back. When I initially googled the number it said high fraud alert so I didn't do any more digging. They called again on XX/XX/23 and left a voicemail. On Saturday I received a Target credit card in the mail, but I have never applied for one. I called Target on Sunday and they put a freeze on it and told me to call the 3 credit agencies. They told me one charge had been made so far, but they did not tell me the amount. I'm guessing it's under {$100.00} because the paperwork with the card says Temporary Credit Limit : {$100.00}. I found out later that the initial calls were really from Target to ensure I wanted a credit card opened with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card ending in XXXX and XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXX  against the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXXXXXX XXXX XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or credit loan or increase my credit limit by {$10000.00} to $ XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit 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:
In XXXX of 2023 I applied for an Amex Delta SkyMiles Reserve Card due to a sign up bonus offer received. I was told that after spending {$5000.00} which I did I would be awarded XXXX Bonus Miles and XXXX XXXX XXXX. However, I only received XXXX bonus miles. After numerous phone callas to Amex and being told the situation would be investigated nothing was ever resolved. I also sent 2 complaint letters and filed a complaint with the XXXX XXXX XXXX and Amex still refuses to honor the agreement. I believe they are engaging in deceptive or misleading practices as well as False Advertising. I have the written offer and although I referenced this fact, they still are unwilling to honor the Bonus Offer made to me when I applied for this card. I am asking that they credit my account with the additional XXXX Bonus miles or pay/provide a credit of the equivalent dollar amount value for XXXX Bonus Miles which are calculated at XXXX cents per mile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX chime bank locked and shut my account because of a suspicious fraudulent transaction. I have satisfied every request made to prove there was no fraud and have even been at the point where they agreed to cut a check for the money being withheld. 
I transferred {$10000.00} that I am able to show proof of the funds, the transfer from XXXX XXXX XXXXXXXX and chime receiving the money. 
In my opinion, chime has stolen the money and has no intention of giving it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have two hard inquiries on my credit report cards. I did not open Capital One and XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief