BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Square Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 I had approx 200 transactions of small amounts back to back which amounted to almost {$1800.00}. Since I was at work I did not see the notifications until my account had been cleaned out. I immediately canceled my card and contacted customer care. First of all, customer service for the company Cash app is only online. You can not actually speak to anyone. When you do speak to the reps they have cut and paste responses and give little to no help. Once I was finally able to get through to someone I was assured my claim was escalated and it would take 10 business days for them to accept the claim and then up to 45 calendar days to receive a resolution. Through out the course of this time they do not reach out or provide any type of communication and each time I reached out I received the same generic response that they do not have an update and I will receive an email once they did. We are now past those quoted dates and I still have not been given any type of response. Im beyond frustrated with the lack of communication and care this financial institution has for its customers. The fraudulent transactions were obviously fraud, and when you look at their website they claim to have security measures in place. This company needs to work on their customer service, they need physical phone lines available for those who have experienced fraud and they need security measures in place that wont let 200 fraudulent, suspicious charges take place on your account in less then an hours time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CITIBANK, N.A.
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:
i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the 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 monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

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 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent off for my annual credit report about a month ago, and no repond back.i made preparation to file Bankruptcy, but was delayed by XXXX, XXXX, and Transunion that had set me back with my Bankruptcy case that been filed.

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 2016-06-10
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was already successfully disputed with another collections agency and is a duplicate collection attempt of a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: SL Finance LLC
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
SL Finance disguised itself as a business to help with student loan payments. They have received a {$1000.00} of my student loan payments to them. Upon asking my new student loan balance, there was no response so i tried to reach out this company about this. No response from the company resulted in me changing my registered credit card that they have been charging for the past few months. Please shut this company down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 I made a dispute for some unauthorized transactions for approx $ XXXX On my credit karma money spend account. 
on XX/XX/2022 I received a letter from credit karma stating that per Regulation E guidelines we have issued you a provisional credit to your account for $ XXXX and you now have full access to these funds while we finish investigating your current dispute. 
That letter obviously was just to make it look like they are in compliance with Regulation E when really they are not. 
I didn't receive any provisnal credit on XX/XX/XXXX nor do I have access to any of those funds. 
They are clearly in violation of the federal guidelines, all while attempting to act like they are in compliance. 

They shouldn't be able to get away with this without penalty Guidelines are in place to protect the consumer and this company is clearly doing it how they want to do it. 
This company is obviously trying to buy more time and avoid issuing the appropriate provisnal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX  in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
To : Whom It May concern : I just noticed a few issues with the bankruptcy on my credit reports. From my understanding all reporting to your company is supposed to be 100 % accurate, but for some reason, the accounts listed inside of this bankruptcy is not reporting correctly. They are reported wrong. Please investigate the accounts listed below -- PUBLIC RECORD CREDITOR : US BKPT CT CA XXXX XXXX ACCOUNT INFO : REFERENCE NUMBER : XXXX -This is not my 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 explanation
Consumer complaint received 2015-06-09
Company: Creekside Recovery And Capital Management
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted yesterday by a company looking to serve me with sealed summons. They gave me a phone number and when I called it was a debt collection company Creekside Recovery and Capital Management. They told me that if I didnt pay by XXXX, the summons would be served and legal action would be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business Buy and Sell item since XX/XX/2022. My PayPall account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a lease payment of {$47.00}. My bank accidentally wired {$4700.00} to XXXX for the payment. I have asked numerous times for them to refund the money to me. They applied the money to the {$47.00} payment due and kept the rest and refuse to return it to me after three requests. They make up different stories every time me and my bank call them. They have not applied the overpayment to any additional amount due. They just kept it. It has been three weeks and they will not return my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Mother took out a consolidated loan. 
Was turned into a mortgage by Wells Fargo. 
House was use as collateral .That to place in 1989 .The amount of the loan was XXXX K She's been paying this for 30 years. 
Reminding balance on the loan Is XXXX. 
The way Wells Fargo structured the loan Was {$21.00} going towards the principle. 
The house was worth at that time about XXXX Wells Fargo gave Her insurance that was suitable for person XXXX XXXX XXXX. 
{$280.00} was going towards escrow In the other money was going towards interests. 
To me it looks like a predatory loan. 

My name is XXXX XXXX Executive of the estate

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 2019-05-14
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Bread Financial Holdings, Inc.
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:
I had a credit balance on my Comenity Bank credit card account for 3 transactions that i was owed a refund by a merchant. Comenitys negligence for over 6 months now is unacceptable. Supposedly they mailed out my credit balance refund of {$24000.00} on XX/XX/21. this refund check was latter stopped and it bounced after I deposited it. They Supposedly re-issued the refund on XX/XX/21, but as of today it has still not been delivered to me. i tried calling them by phone, but these phone personal only keep on suggesting for a new request to be submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: Upgrade, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan from this company around XXXX for XXXX wherein I agreed to pay XXXX until the balance is fully paid with an APR of 13.47 %. Recently, I have made efforts to reduce the amount that I pay monthly in interest by making the monthly payment before the due date. I realized some months ago that the company is overcharging me in interest, effectively penalizing me for making early payments. 

Yesterday, XXXX, I reached the company by phone and the representative indicated that Instead of accessing interest to the current principal balance remaining, they are using some unreasonable ( maybe illegal ) method of calculation. For example, even though my balance is actually lower this month than last, Ive been assessed interest of XXXX as compared to the last accrual before payment of XXXX. 

I dont have a statement which I can provide since the company does not make statements available to customers. However, I do have an accurate inhouse accounting of my payments. One of the reasons I took the loan with this company was because they promised no penalty for early payoff of the loan but the way they are playing with the accrual of interest to accounts amounts to a penalty for early payment. 

The remaining balance on this loan now is XXXX and I am paying more in interest than I was at the beginning of the agreement. I told the company representative that what they are doing amounts to a scam but their representative informed me that there was nothing he could do about it. Even though I have never missed a monthly payment, Im being charged more for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have continuously contacted the credit bureau and the creditors, whom refuse my dispute of the validation of these inquiries. The representative could not provide me with validation as requested, other than stating that the inquiries were a " statement of fact ''. I have continuously advised the credit bureau that these inquiries do not belong to me, and request that the following inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax reports me as authorized user for a XXXX charge-off XX/XX/2010. I am not joint-owner nor did I co-sign. Also I am not married never was therefore not a spouse and not to be held responsible!

Company response to consumer: Closed with non-monetary relief