BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Consumer Protection Violation claim.

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 2023-05-28
Company: FinCo Services Inc DBA Current
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I just asked them to unlock my debit and their refusing to. They have been combative for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
XX/XX/XXXX and XX/XX/XXXX I was alerted on my mobile XXXX XXXXXXXX app that a new inquiry was listed under my name from JPMCB CARD from XXXX and JPMCB CARD SERVICES from XXXX and I never opened any more inquiries through my name so it looks like someone tried to run my credit file without me knowing and I was wanting to get those inquiries took off from under my name because it dropped my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reside atXXXX XXXX XXXX XXXX in XXXX VA XXXX.My landlord is deceased on or around XXXX XXXX he died intestate. The social worker for XXXX XXXX is attempting to contact An attorney She had a complete XXXX XXXX and, has the XXXX XXXX XXXX XXXX  and is under XXXX  XXXX  XXXX.I request they stop contacting me and file a claim with XXXX XXXX 's estate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
I have a credit card " XXXX XXXX XXXX XXXX '' at the financial institution " Synchrony Bank ''. 
On recent statements for this account, I noticed fees for " CARD SECURITY '', which after some research seem to be related to a " Payment Security Program '' that I do not need and that I did not sign up for. 
I was able to cancel the service, but I would like all historical fees related to the " Payment Security Program '' to be reversed. I also believe that such automatic insurance enrollments are a disservice to customers and should not be allowed.

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 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is refusing to support my disputes on my Venture One card from unjust charges from two different companies. It appears they have some sort of block on my account. I am not even able to dispute any charge digitally online. I am forced to call every time. This costs me hours on end each time I need to call because I am put on hold. I should be able to dispute the charge directly on my online banking. But I am unable to do so. The company charges I am disputing with CFPB are charges to XXXX & XXXX on my Capital One Venture One Visa. 

XXXX has charged my account for bookings not stayed, and initially charged to someone with the name XXXX, not myself. I was promised refunds from Airbnb, and even have documentation proving so. I have sent this to my credit card company ( capital one ), they refuse to dispute this further. I contacted Visa, and they told me Capital One must continue the dispute. Capital One then says they can't because visa policy. it is very odd. I have proof that I am entitled to refunds. 

I have email documentation from XXXX showing they canceled bookings and issued full refunds. However, I only have partial refunds from XXXX. There is still around {$1000.00} in charges from XXXX that I have not been refunded. 
I am now being charged a high APR on this. I am unable to pay these charges and each month that goes by this is causing me more debt. 

I fly with my registered service animal. I have proper documentation. I have flown XXXX in the past, and have not had any issues. The dog was approved with the documentation and I even have written confirmation from XXXX that the dog was approved as a service animal. However, upon arrival at the airport, I was refused entry with my service animal, which made me miss my flight. I then had to spend a ton more money on last minute rentals and flights. The only amounts I am disputing are the charges for the flights that i was unable to take and the charges for luggage I was unable to use. I have evidence that my dog was approved as a service animal on board, and I have evidence that I was denied entry. I then had to book different flights to get home and spent additional money renting cars. 

I have attached my original booking ticket which shows codes for service animal. 

Please help me clear out these payments that are unjust and unwarranted. I have evidence I should have full refunds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: HFS Financial LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
*** THIS IS NOT A DUPLICATE CLAIM*** hfs financial is a company that shops home improvement/pool loans for you with banks and credit unions.I have two previous loans through them which are almost paid off with no late payments. i applied for a loan at the end of the year and got approved with XXXX XXXX XXXX XXXX XXXX XXXX. the loan was approved and then denied due to hfs stating they could not properly identify me. i was told to wait 45 days and reapply. six months later they are refusing to let me re-apply. i later found out the reason they couldn't identify me was because i had a security freeze on my credit file and it was blocking new credit attempts. i have since cleared that up and notified hfs that my file was open. They are still refusing to shop a loan for me with no explanation 's feel i am being discriminated against. i was also told that they do not deal with customers who have filed a complaint against them, because i filed a complaint when they stated they could not identify me. the same thing happened to someone that i referred to them and when they could not identify him the first time they allowed him to reapply ( XXXX XXXX of new york ), i have also referred multiple people to them through my business for loans and they have worked with everyone and been very lenient. they have been rude and nasty to me and all im trying to do is get help obtaining another home improvement loan. they offer the lowest rates and i can not understand why they are refusing to work with me. i have lifted the security freeze and should be treated like everyone else that i have referred to them. is it because i am a person of XXXX? im not sure because everyone else that i have referred was not a person of XXXX so im very confused and feel disrespected. i was told to reapply in 45 days and now they are saying i was never told that. i was told that by a supervisor and the website.i was also told that i would be reset in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Constar Financial Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Constar Financial Services Received letter from collection agency to collect a dept that was charged off. I am currently in dispute for Breach of Contract with the Lender in the United States District Court Eastern District of Louisiana and as of date the dispute is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Westlake Services, LLC
State: LA
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 recently sent a Recession of signature to company who responded with a repossession and sale of property my purchase price was {$16000.00} after repossession car sold for {$17000.00} now that West Lake has been paid well over the purchase price I am requesting written confirmation that this will be removed from 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 explanation
Consumer complaint received 2023-05-28
Company: U.S. BANCORP
State: NJ
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 was charged XXXX for an order with XXXX XXXX XXXX from XX/XX/XXXX which was never received by me. The retailer directed me to open a dispute with the credit card company and promised that they will make a record and not contest the charge. I opened a dispute with Elan Financial Services and explained what happened. I received XXXX provisional credits- XXXX for XXXX and XXXX for XXXX, totaling XXXX. Recently the credit for {$81.00} was reversed. I contacted Elan Financial Services and they made the false claim that I said that I received the package. They also said that they sent out a form that I need to return. I reiterated that the package was not received and gave them my address for them to resend the form. No form was received and instead the second portion of the credit in the amount of XXXX was reversed as well.

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 2023-05-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management Inc/ XXXX XXXX XXXX /started lawsuit without prior notification- despite denial of debt existence. XXXX purchases writed off credit card debt for XXXX cents on dollar and on basis of shody evidence initiated lawsuit. 
Theirs business model is utilization of taxpayed courts to obtain default judgement, followed by utilization of sheriff office to satisfy default judgement. 
Contract have arbitration clause and should not be subject to court. 
Starting lawsuit cost Midland credit management $ XXXX {$200.00} Arbitration cost is {$5000.00} paid by junk debt buyer

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: 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-05-28
Company: Kansas Counselors, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted insurance information to this company, I received XXXX and XXXX insurance I provided to this company.. This company agreed to remove this item from my report and still hasn't done so after payment was submitted. Insurance information was provided during time of visit, but this company administration neglected to enter the information accurately.. I submitted information again directly and still haven't received the fair credit report results... This company is refusing to investigate and solve this issue professionally and accurately.. The balance has been paid and all documents have been sent to complete the final bill.. The report is false and has caused unfair damage to my credit file..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
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:
Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with ViXXXX XXXX through a debt collection company named Portfolio Recovery Associates back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called Portfolio Recovery Associates and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with Portfolio Recovery Associates stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Wealthfront Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I initiated a transfer from my XXXX XXXX rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from XXXX that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my XXXX  account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called XXXX  they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Friday, XX/XX/XXXX I went to log into my Bank of America account on my mobile banking app. I wasn't able to log in or change my password. I called the XXXX and spoke with a Customer Service Agent and she informed me that my account was closed for business reasons! I was livid. They never called me to notify me nor did they send me an email. On Saturday, XX/XX/XXXX I called the XXXX number and the Customer Service Agent told me that my account was restricted! I then called the local bank in XXXX GA and the person I spoke to was know help at all. I am going to the bank on XX/XX/XXXX to resolve the situation and see why they closed or put my account on restriction. My account is in good standing and I can't imagine why they are closing or restricting my account. I have a direct deposit for {$2200.00} being deposited into my checking account and I am going to try to withdraw the money as I need to pay rent and bills.

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 2023-05-28
Company: Grain Technology, 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:
Grain Technology is currently reporting as a charge off account on my credit reports. Its also reporting all payments missed for the past 2 years which is false. This account has hurt my credit. They have locked my account due to Fruad yet expected me to pay it. Which I have so it didnt hurt my credit as Im trying to purchase a home.

I have attached my most recent statement showing payments.

Company response to consumer: Closed with explanation