BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a bill for an XXXX XXXX XXXX Mastercard, issued by Barclaycard. The bill was for a past due charge of {$89.00} which related to the card 's annual fee. I never signed up for this Mastercard, nor received the card, nor activated the card, nor used the card. 

I called Barclaycard to deactivate the card and have the annual fee charge removed. They deactivated the card but refused to remove the {$89.00} annual fee charge. Their explanation was that I used to have a XXXX XXXX XXXX US Airways Visa card and that as a result of the US Airways XXXX XXXX XXXX merger I was issued a new card through Barclaycard. The Barclaycard representative I spoke to informed me that if I did not pay the charge, it would go to collections and negatively impact my credit. 

The unsolicited issuance of a credit card and subsequent charge of an annual fee is an entirely fraudulent and underhanded business practice. This is theft. Barclaycard has signed me up for a service without my consent and is charging me a fee that I did not agree to. I did not request their Mastercard, I did not receive their Mastercard, I did not activate their Mastercard, and I did not use their Mastercard. Their actions appear to me to be entirely criminal. They are preying on unsuspecting consumers and I request your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in   XXXX  , this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

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 2020-01-20
Company: FORD MOTOR CREDIT CO.
State: SC
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 filed a complaint against Ford motor credit company and they responded with a bunch of lies and incorrect information and not complete information. There was a car that was purchased back in XXXX according to them and it contained a person that had a different 1st name different middle name different address different work information different phone number and different email address than I do because I've had these verified and proven to ford that I never had a different 1st name or middle name my whole life on my social security number and I've had the same phone number for over 20 years and same work for over 37 years. They claim my police report didn't clear me of the account 's claimed because of death of the offender. Ford clearly lies because number one the statute of limitations is only 5 years if there was anything criminal and this police report was filed 9 years ago. The car purchase with Ford was over 14 years ago. My claim is ford did not do any investigation that the law requires with all this information I'm giving. now talking to the police has nothing to do with finding out if that person that purchased the car back in XXXX was me because everything I showed is filed in courts or part of the federal record and not guessing like Ford is doing or jumping to the wrong conclusion like Ford is doing. 
I also showed the XXXX findings of my identity theft to show that somebody else obtained a driver 's license with my information just a different name and address and used that fake id to commit id theft for XXXX of accounts. 
Courts found these accounts were NOT mine. Ford lies and damages me with their wrongful conclusions and findings. 
Force Ford to answer to THESE CLAIMS not what they cherry pick about.

1. Different name on account and XXXX. 
2. Different work info.

3. Different address.

4. Different phone number.

5. Different email address. 
The language in the CMPD report, clearly names the crimes committed and says i am exceptionally cleared of those crimes. 
No ambiguity, and 2 of the accounts took me to court and had to voluntarily dismiss the suit. They were wrong and had to admit it. This was XXXX. 
Ford is wrongly finding me guilty of this fraud, with no evidence, no proof or contadictory documents that i gave them, all cerified and verified by state or federal agencies and notorized.

Please have Ford address these issues, they refuse to give me any of these jnternal documents because they know those documents are INFERIOR to mine. Losing case in any court of law. They are arrogantly lying with no shame, and refuse scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

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 2017-05-11
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: MI
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 made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: OR
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:
Over half the accounts aren't mine. A woman who I met a few months ago mirrored my phone ever sense I have been getting billed for things that I didn't order accounts that I didn't open. Someone keeps asking for insurance and or buying a new car and buying things online and credit cards.

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 2015-10-28
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
Have a rushcard loaded money cash on XXXX. Funds still not avaliableand its now XXXX. Keep calling a d sending emails only got XXXX reply saying cant access my info. Called back finally got through only to be transferred put on hold for XXXX and hung up on. I have XXXX kids this was groceries ang car insurance moneymy dad sent. Had to borrow from someone to pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,   XXXX  , I issued a check #  XXXX  in the sum of {$900.00} from my checking account with Chase Bank, Acct No.  XXXX .   On  XXXX   XXXX ,   XXXX  , I contacted Chase Bank by phone to inquire if I could stop payment on that check. I was told that the check was still pending and that I could place a stop payment which I did. A fee in the sum of {$30.00} was charged and deducted from my account. I was advised that the check would not be paid for one year and would need to be renewed thereafter.   On  XXXX   XXXX ,   XXXX  , I visited the Chase Bank  Branch l ocated at  XXXX   XXXX   XXXX  in  XXXX , NJ, and requested proof that payment of aforementioned check was stooped. I was assured that stop payment transaction was in effect, and was given a printed statement confirming that.  Two hour s latter, I visited the branch again and was assured again that check #  XXXX  would not be paid. The account statement of  XXXX   XXXX ,  XXXX , and a receipt of the same day indicating the balance of my account are attached herewith.   On  XXXX   XXXX ,   XXXX  , I found out that check  XXXX  on which a stop payment was issued on  XXXX   XXXX ,   XXXX  , was paid on  XXXX   XXXX    XXXX  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month.   The calculation is fro m  XX/XX/XXXX  through  XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The  payments are shown to be as follows  :  XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX  As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are  XXXX  per year and not the more t han 20,000 that t hey are claiming.     Even if, as they have done, paid the second quarter of  XX/XX/XXXX  late ( in  XX/XX/XXXX   )  and the second quarter of  XX/XX/XXXX  early ( in  XX/XX/XXXX   ),  it would only b e 5 payment s and not the  6 th at they are claiming.   Attached my tax statement showing that I am paid up through the second quarter of  XX/XX/XXXX  with o nly 5 payments, not 6 as has been claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally financial calling non stop all hours of the day 7 days a week. Attempting to collect debt causing me stress

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 2016-09-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Synchrony XXXX has been charging me a " late fee '' of {$35.00} per month since at least XX/XX/2014. I was told by Amazon customer service that the " late fee '' is assessed because I pay to early. My due date for payment is in the last week of the month but I pay in the first week of the month. This does not make sense to mme and I want my monies back to included interest.

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 2021-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
equifax reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: American Credit Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loaned was transferred  XXXX   XXXX ,  XXXX  from the original lender. On  XXXX   XXXX ,  XXXX  I went down to the dealership after receiving calls of late payments. I showed them paperwork showing the last car payment was  XXXX   XXXX ,  XXXX . More calls later, I went to the dealership on  XXXX   XXXX . I showed the lady my contract, she agreed with me that the vehicle should be paid off. She called the current lender to explain my side. They said they would get back to me. They called wanting more payments equaling {$900.00}. The last day for payment would be  XXXX   XXXX .     The original lender is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO. The loan transferred  to American Credit Acceptance   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BB&T CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation