BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Someone used my Barclays credit card to make a lot of fraud charges for total about {$7500.00} around XX/XX/2020. When i see these charges in the statement I immediately call Barclays and report it, customer service said they will close the account and start the investigation. I have filed police report. About one week later I the credit for all charges on my account. But just a month later I received a letter in the mail said that they have completed the investigation and that i'm responsible for all the charges. I call the phone number in the letter asking why and the customer service said that fraud claim denied because investigator said transaction was made by a chip credit card, and it is very hard to duplicate the chip card. and also that online purchase was shipped to my billing address. So I ask customer service what address item was shipped to she just said it is shipped to my billing address. I ask her can you read out the shipping address but she said she couldn't. I then ask customer service to send me all the documents of the investigation, she said I will get it within 10 business days, I still have not received it. I also request for supervisor call back and it have been more than 10 business days still nothing.

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 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nordstrom sold the debt to XXXX XXXX XXXX per XXXX XXXX  On a recorded line they have now sold it to XXXX XXXX XXXX and XXXX XXXX XXXX is unreachable and therefore unverifiable. The only person reporting the debt to the credit bureaus is Nordstrom. This needs to be removed immediately as I can not make a payment to Nordstrom and XXXX   XXXX  is in fact unreachable and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: TX
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:
Sent a letter to Equifax regarding hard inquiries showing on my credit report that need to be removed. A copy of the police report was also submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   Thank you

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 2021-01-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the month XXXX, 2020 during the lockdown from COVID-19 I ( XXXX XXXX ) attempted to make a payment several times over the phone, to a closed CitiBank credit card, but I was unable to get on through. During this time the Banks were closed, and my online account was inactive. I was under the impression that CITIBANK/CITICARD were aware of this difficulties, especially given that it was report on the news that payments during the time would be postponed and without penalty. Even the president said it ... To my surprise I received an alert from credit monitoring system, stating that I had negative remark on my credit report from CITI. At this point I'd not had any missed payment on that account to date, four year from open date. I was finally able to get through and make payment in full. I contacted CITI to file a dispute and I filled a dispute with the credit bureaus ( XXXX, XXXX, XXXX  ) stating reasons. And up till today XXXX, XXXX CITI have not removed those remarks from my credit profile. This was during the total lockdown period.

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 2016-09-15
Company: STERLING JEWELERS, INC.
State: CO
Product: Credit card
Issue: Other

Complaint:
I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.

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 2016-08-30
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I mail a letter to Experian asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. 
This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.

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 2022-03-25
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 demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 11 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Headway Capital provided me with a loan at the end of 2019 for equipment in my XXXX. 

Our XXXX  is not an XXXX XXXX and we were shut down. 
Numerous conversations, emails and a letter from my attorney was sent to the company to solidify their agreement that they would restructure the loan and halt future payments until they provided a new payment plan as discussed in our verbal communications. 

They never provided an alternate payment plan. 
They did not withdraw funds for two months and they contacted me to confirm that no payments would be withdrawn from my account for the months of XXXX and XXXX. 

On XX/XX/XXXX they withdrew {$850.00} from my account without approval or notification causing my checking account to go negative. 

This was in blatant violation of the agreement to not withdraw funds without prior approval. 

Headway was contacted on an ongoing basis for almost 4 months about this account and what would be acceptable for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mountain America Credit Union is reporting a late for XX/XX/21 on my mortgage and I was never late. I have made my payments on time for this account and am very confused as to why there is a late payment reporting. The money came out of my account on time. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells fargo told me there was an issue with my check, and they deposited my check of XXXX XXXX and did not return the funds to me after they closed my account. 

They also didnt provide proof that the funds were returned to bank issuing the check.

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 2022-03-25
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NV
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 was rushing to get a outfit for a business meet from clothing store named XXXX i thought i activated my business credit card, so it flag the system i try to call them to let them know that i try to make that purchase now my account been frozen for a month now i cant get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Investigation took more than 30 days

Complaint:
Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX  or XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX or XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without 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 non-monetary relief
Consumer complaint received 2020-04-17
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid 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:
I've contacted Pen Fed via email for over a month now regarding a {$100.00} reward bonus listed on their website : https :  //www.penfed.org/XXXX I met all of the relevant criteria for the {$100.00} bonus months ago and have not received it nor have I received a resolution or a satisfactory response from Pen Fed 's Customer Service . One response I did receive, the representative didn't even know what bonus I was referring to. When I sent the same link I pasted above to them I received no response. This is not a financial institution I would recommend others deal with. I wonder how many service members they are dishonest with?

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