BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has several contact phone numbers and they all keep a customer running relentlessly on a hamster wheel. If you are able to get a representative on the phone you are lucky. 

I have tried for two days to get someone on the phone so that they provide an extend to my unfrozen credit file but, noone ever picks up the phone and they conceeded that the phone service is wack, and that other people have complained about the hamster wheel effect. XXXX is trying to provide me with a free phone and they need access to my credit file to verify my social security number but, we have not been able to get through and are being told that there is a freeze although the system says the file is unfrozen. 

I wanted to update my personal information in my credit file and it is utterly impossible to do so on experian website. Experian Website is a NIGHTMARE.

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 2023-06-01
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a new car from XXXX XXXX dealer back on XX/XX/XXXX of last year. At the time I was pushed to sign the contracts by their finance manager, XXXX XXXX. Last month the car was totaled and Im not at fault accident and when the insurance company went to pay off my loan I found out that they only gave me {$1000.00} for my trade-in instead of {$11000.00}. I have tried to contact the dealership and work it out they Are non-cooperative. They said it was my fault. I signed the contract. I dont want to accept the payment for the accident because if I do, I have no recourse Im going back to try to get the correct trade-in value of the car that I turned in a XXXX XXXX XXXX that was worth {$14000.00}

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 2023-06-01
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Hello, I bought a XXXX XXXX XXXX from Carvana. I am financing through XXXX XXXX XXXX XXXXXXXX. Carvana was giving my loan draft and even called my credit union to make sure the draft was okay. They told me everything was okay and I picked up the car on XX/XX/XXXX. Now my credit union is telling me the car is overpriced and they won't pay over the 125 % of the loan. Carvana is coming after me for the remainder of the loan which is almost XXXX. I have gone back and forth with both Carvana and XXXX XXXX XXXX XXXX said Carvana would take the XXXX because I have had the car since XX/XX/XXXX and now Carvana sent me an email where my credit union said I must pay the rest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX : I spoke with my mortgagor ( Pennymac ) about scheduling a payment and the representative stated that I would be due for 3 payments. I asked how if I only missed one payment. After my conversation with the representative, I decided to investigate why I was due for 3 payments. When I discovered that in the billing statements dated XX/XX/XXXX to XX/XX/XXXX I was billed twice for that month from XXXX to XXXX. I was told that there was a shortage in my escrow account and that the original bill of XXXX would increase to XXXX. I was unaware that the mortgagor doubled my payment for XX/XX/XXXX. I did not receive any notification of default, nor did I receive any phone calls from the mortgagor debt collectors about said amount. I carried this amount from XX/XX/XXXX to XX/XX/XXXX when I missed a payment. When I spoke to a representative today about the discrepancy, they said that there was nothing they could do about it and that I now owed XXXX. This brought me to 3 months behind when I should only be one month behind. I think that my mortgagor deliberately placed this double payment into my billing statement to force a foreclose on my home and sell it off without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I noticed 3 fraudulent charges on my credit card statement ; a XXXX XXXX charge, a gas station charge, and a smoke/gift shop charge totaling {$700.00}, all occurring on XX/XX/16. I immediately called Bank of America 's fraud department and initiated a fraud claim ; the claim was denied a day later because they claimed the card was used in my presence ( exact wording : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. ) This isn't physically possible because the card was in my possession and I did not visit those places on XX/XX/XXXX ( and have the XXXX timeline history to prove it ). 
Bank of America does not do their due diligence in investigating fraud claims ; this has happened to me once before, with the denial being the same reason.

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 2023-06-01
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original credit is XXXX  for {$470.00} and they sold it to Jefferson Capital System LLC . I do not know if this account and have filed several dispute and they did not provide me with no proof of this debt belonging to me. The account number is XXXX and it was opened according to my credit report on XX/XX/2016. It has been 7 years and I still have this debt that do not bring to me on my reports. Im trying to buy a bigger home for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This is in regards to XXXX XXXX XXXX XXXX card. In the month of XXXX I was going to receive Refund from California for {$700.00} for having a making less that {$140.00} XXXX XXXX. After waiting for my depit card for three months, I kept calling IRS I kept calling Money Network they kept telling me to wait for my card I will receive it. I called back in XXXX asking for my card again they stated that my card has been activated and used at different ATM machines. They said they will open a claim I will receive a new card and after 90 days of investigation I will get my money back on my account. Yesterday when I called they said they can not refund me my money because my card was used and someone used my pin. I tried to explain to them that my card was hacked and used before I even received it. I had nothing to do with it. I am asking for them to please refund my money. I work for XXXX I am a XXXX I make very little money I was waiting for this money to pay my bills that I have not been able to do so. I am not sure why they never closed my card when I was calling and asking them to stop the card and issue me another card. Why they waited so long for someone to use my card take all the money out then they sent me a new card with {$0.00} balance.

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 2023-06-01
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a XXXX XXXX XXXX  which I funded with {$400.00}. 
I waited the suggested 24hs but I could never use it. Both Vanilla and XXXX websites state the card has an error. 
I tried contacting customer support, who stated the card is invalid and hanged up the phone more than once ( after spending +30min to be answered ). 
I am attaching the actual card and the receipt that states the amount I funded. 
I also found online several people aare having the same problem, which I also attach. 
I am also showing the only email I could find on the internet is not operating either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
In late XXXX I was the victim of identity theft with my JP Morgan Chase XXXX XXXX XXXX My XXXX XXXX was somehow hacked into and my calls were being forwarded, preventing me from checking the actual party I was communicating with. I received phone calls from numbers that showed up on caller ID as Chase bank. After initial fraudulent activity was discovered, I contacted a representative from XXXX XXXX XXXX who changed my password and rectified the issue around XX/XX/XXXX. 

However, it happened again a few weeks later and I was able to do it on my own once someone alerted me that my calls were not going through anymore. Since then, I bought a new Iphone on XX/XX/XXXX. The old phone was turned into XXXX XXXX XXXX. 

Chase initially did not charge me for fraudulent purchases on my account. In late XXXX 2023, my account balances were accurate and the fraud situation was behind me. That was until Chase, in XX/XX/ 2023, who I have banked with for years both personally and through my credit card, did a complete XXXX degree turn and is now seeking to hold me responsible for approximately {$12000.00} worth of charges that they initially did not hold me responsible for. 

This is unacceptable to me and quite disingenuous to do this months later after everything had been resolved. Chase and XXXX have a guarantee that you will not be responsible for fraudulent charges. The telephone scam is not something new and Chase has utterly failed to institute any processes to prevent their customers from being scammed by people who are calling from Chase numbers and have the proprietary information that only a Chase representative would know. 

This scam has been prevalent and Chase can not simply just turn a blind eye to it while their customers get defrauded. See https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my credit reports and i noticed a company by the name of Sunrise Credit Service being reported across all 3 bureaus with different account numbers. I have never gave none of the CRA 's permission to report this on my credit report. According to 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the Written Instruction of the consumer to whom it relates. I Never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO consent is identity theft as a federally protected consumer by law I am demanding deletion of the account listed above Immediately. I have also asked this company for validation of debt. Please send original document signed by myself tying me to this debt if not I am demanding deletion because this is hindering my credit journey

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 2023-06-01
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this company several times and talk to them on the phone and explain that this is not my debt. The original creditor is XXXX XXXX XXXX XXXX and the front was sold to Augusta Collection Agency. They called and harassed and threatened to take me to court for a debt not mine. I am trying to purchase a bigger home for me and my kids and grand children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
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 a workout bike for my wife from XXXX back in XXXX XXXX  XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX  XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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:
On my XXXX credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

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 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report that would like removed. 
Here are the companies below, XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: AZ
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

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 2023-06-01
Company: Payfare International Inc.
State: GA
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:
On XXXX the XXXX or XXXX I believe I reported a unauthorized transaction {$450.00} as well as many. More onauthorized transactions that were used by my account online to purchase product On websites that I have never ever been a nor used. I contacted the merchants to try to resolve the problem at first then I contacted my XXXX  pay direct who is payfare And reported a unauthorized transaction they sent me a list of information and procedures I needed to do in order to dispute this transaction that amounted to a. {$150.00}. I did every single thing and have more than proven that this was not me who authorized the transaction. Nor was the one who even had any part to do with the transaction. I offered to go get a price report. I was told through email not to do that it was not necessary. I provided all and any documentation to communication with the merchant. And I was told that there would be no more than 60 days. It has been over 75 days now. I have emailed numerous times with no response whatsoever. I have now contacted on more than XXXX times every single day for the past 10 days with run around and more than likely most times. They just hang up on me with no response. They just tell me it's been sent to another department and then they hang up on me every single time. They do not allow me to even say anything else once I figure out that it's me. I would like a resolution because I know just as well as they do that this was not me. My card information was stolen because I left my card accidentally at a gas station on the counter. I even went to the gas station to. I have a precious report filed against the convenience store clerk. Who I believe is the one that stole my Information. Payfare has been more than unprofessional and more than unresponsive to any and all of my concerns regarding this because I am a XXXX XXXX Full time And I generate more than {$7000.00} worth of taxi for the company every single month consistently for almost a year now and to be treated and this type of manner with no help no resolution and any and all promises and guarantees made by this company to resolve my issue for the money that I hard earned honestly. And you have complete and total disregard for that and complete and total disregard for my contribution to the company at 2 try and have a decent honest. Living to have no help whatsoever and as I say again complete and total disregard or any type of loyalty from their end on their promises and they're guarantees it's like falsely. Promote is a disgrace and I'm ashamed that I even have to do this to make a living now knowing that I have no type of protection. Whatsoever when it comes to the money that I make for thiscomforting

Company response to consumer: Closed with explanation