BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: DE
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 am not sure what all is deceptive with XXXX XXXX XXXX but i do know that negotiations for credit card settlements with the last account which is discover was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with XXXX included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my wells fargo account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for XXXX fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to Experian i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both Experian credit bureau as well as 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 2020-01-13
Company: CORELOGIC INC
State: PA
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: Problem with personal statement of dispute

Complaint:
There a bunch of hard inquiries that shouldnt be 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 explanation
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: VA
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:
My purchased flight was cancelled due to the pandemic. The airline stated that the ticket could be used for any flight on the same route in the future, with no charge for fare difference. Unfortunately, the airline did not resume flights on that route for over a year, and once it did it was impossible to find a seat. I therefore requested a refund, and was told to submit an online refund request. I did so, but received no response from the airline. I then disputed the charge with my credit card company, but was told I had waited too long ; even though the dispute claim only materialized when it became clear that the airline would not honor its rebooking offer or provide a refund, which was less than 30 days before I submitted my dispute to Chase. 

The customer service representative for Chase advised that I should send a letter asking that the normal time period for processing a dispute be waived, which I did. Chase responded by acknowledging that I " may have a valid complaint with the merchant, '' but nevertheless refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
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:
XXXX XXXX and attorneys XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX, have improperly scheduled unsecured property for auction originally, XXXX XXXX, 2017, and now XXXX XXXX, 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations, XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX provided an affidavit of service by mail dated XXXX XXXX, 2017 of notice of sale scheduled XXXX XXXX, 2017. In the same letter XXXX XXXX maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents XXXX XXXX has provided. Upon repeated requests for a payoff amount or statement, XXXX and their attorneys XXXX XXXX XXXX, have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.

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 2021-03-25
Company: U.S. BANCORP
State: CT
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 never authorized this company to run my credit.I need this inquiry removed from my credit immediately.

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 2017-08-29
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}

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 2020-08-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a Corona alert on my phone, stating customer during this time please make it a priority to return this call. Since I have been hearing so much about the phone companies putting alerts and notifications on the phone I thought it was something stating that I had been exposed to Covid or something. My heart was racing. I called the XXXX Phone number and it was comenity bank. This is an underhanded tactic, during this time no one should be allowed to do this. 


Map of XXXX XXXX, KS US XXXX XXXX, KS US Corona Alert Customers during this time please make it a priority to return this call at XXXX. Again that number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: FREEDOM FINANCIAL NETWORK
State: DE
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 am not sure what all is deceptive with freedom debt relief but i do know that negotiations for credit card settlements with the last account which is XXXX  was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with FDR included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my XXXX XXXX account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for FDR fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to XXXX  i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both XXXX  credit bureau as well as freedomdebt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day

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 2020-08-17
Company: NCB Management Services Inc.
State: NJ
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:
I have a loan with XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX   XXXX I ), and XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Bank of America is not helping with my fraud for XXXX with some other charges theyre denying the claim, theyre stating I used the card when they themselves called me and emailed me to tell me that fraud was detected ( please see attachments ) when they called me I told the reps to stop the charges as I didnt auth or agree to them and they said it was taken care of, Now theyre saying that I auth someone to use them and theyre denying them! This is bogus nobody made them purchases but the scammers who received my info. Its crazy how they notify me of the fraud detection and now Im guilty, it makes no sense.

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 2023-01-24
Company: EQUIFAX, INC.
State: MS
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 look at my credit report notice my score went down and notice XXXX inquiries was made without my authorization XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
I have a loan with XXXX, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got a loan from Santander back in XX/XX/2016 for a vehicle. The car value was close to XXXX, but I already had a vehicle loan with a XXXX income. I was quickly approved and left the dealership 30-45 minutes after arrival. I was past XXXX XXXX and I was the only client that had been holding up the reps at that dealership. I recently just disposed my paperwork with Santander, but I do have proof of business with them through email notifications. One time they tried repossessed my vehicle, when I picked it up, the hood of the car flew off not even a minutes after leaving the lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Avant Credit Corporation
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Please note that I have already contacted CFPB with respect to a complain. I have a case number assigned, which is : XXXX. 

I was instructed to file a compliant online. Thus, please note the following : I am writing to file a complaint against Avant Credit because of their predatory lending practices. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2014 in the amount of {$4000.00}. Since that time, I have paid to the credit the amount of {$2700.00}. Please note that this loan still carries a balance of almost {$3900.00}. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options. 

In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a cash app card. They locked my account, ive emailed numerous times to get account unlocked, with no luck or response. I can not get to my own money. I sent proper documentation to verify who I am. Still nothing from cash app team. I also wrote a letter, no response. I got all emails that ive sent to the support team no luck. I just want my own money. Its been over 27 days if not longer. XXXX XXXX email XXXX, number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: FL
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 so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

BANK OF AMERICA - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XX/XX/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 2020-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since Last XXXX, we have been in contact with SPS to try to do a new loan modification on our mortgage. They have been very uncooperative on helping us. They did do a modification, however they gave us a very short amount of time to pay our first payment. My wife had some medical problems in XXXX and I had some XXXX XXXX in XXXX. We reach out to SPS and asked about changing the date of our first payment. They did not change the date. 

SPS sent us a repayment plan instead. The repayment plan was for 2 times our normal payment. We were unable to pay this. Since then, they have been unwilling to work with us. 

SPS is also constantly changing our contact person. Every 2 -3 weeks we get a letter with a new relationship manager to talk to. We are constantly try to work out stuff, but we keep changing people to talk to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I was charged by a merchant XXXX repayment for {$1000.00}. This was a merchant that I previously back in XXXXXXXX XXXX XXXX filed a claim on stating that they were prudently and falsely charging me. I won the claim and Wells Fargo found they owed me more and rewarded me. However in XXXXXXXX XXXX XXXX XXXXXXXX used a different merchant name to charge me and Wells Fargo allowed that and posted it. I immediately filed a claim and they issued me a temporary credit. Well a month later they stated that because the claim was outside of a 60 day window. It was not I cant receive my money back and my credit is being revoked now overdrafting my account. They found that in XXXXXXXX XXXX XXXX that XXXX charged me for XXXX and that was the only reversible charge because XXXX fell outside of the 60 day cycle. 

I have now been refunded XXXX dollars and was told my XXXX dollar charge will now stick. This is negligent and they refuse to help me and wont provide me thorough responses now a month later

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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