BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a fraud case with my bank BB & T in XXXX, Ga. So this what happened I planned on buying a XXXX via social media XX/XX/ guy turned out to be a fraud I did not authorize sending money to him he was posing as another person. The money was sent through XXXX in my banking app so I knew my money was safe. Turns out it was not I filed my fraud claim and they denied my claim it was for {$550.00} dollars. My claim number is XXXX The reason they denied me cause they said it was not they responsibility this XXXX me off tremendously. They did not even contact me telling me I was denied I had to call them. So when I called XXXX they said if I had a account because of my bank take my issue up with my bank since my account is not on the actual XXXX app. So XXXX or my bank does not want to take responsibility which ultimately leads to me being out of {$550.00} dollars for no reason BB & T did a very poor job of explaining this ion even have a XXXX account personally only knew about it because of BB & T. Ion see why they would let us use XXXX on the BB & T and not insure our money I feel used and mislead by BB & T. I dont think its fair that they know my money is gone due to fraud and they said its nothing they can do for me this makes me livid. I am a XXXX XXXX and didnt receive any stimulus checks I dont have money to waste BB & T seems very uninterested in my problem and situation and after this situation is taken care of I plan on closing my account and cutting my ties with the bank. If they can talk to me for a hour at the branch about getting one of their credit cards they can explain the terms they have for XXXX. I turned in tremendous evidence I am trying so hard to get my money back. The terms XXXX and my bank are tallying about does not benefit me at all it benefits scammers.

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 2021-04-03
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them as this is the second request. 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 non-monetary relief
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX  XXXX  #XXXX  is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is 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 2017-06-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I tried to cash several checks over several months in several locations and they were denied. The decision to cash or not cash the checks was based on a company called Certegy Check Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. When I called the number ( s ) for  customer service, the response was that they could not tell me the reason for the denial other then that there is a program that determines the whether to deny or accept the cashing of the check and that they, the customer service rep., did n't have the information to share and if they did have the information to share, they would n't because someone might manipulate the system. If they can not, or will not, tell me why I 'm being denied, then they should at least tell me what I need to do to be allow to cash checks again. As it is, I wonder if I am being denied services for illegal reasons. They will not even cash my Federal tax return check. Is there a problem with the US government bouncing checks now?

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 2017-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the account si nce  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A XX/XX/XXXXpayment was made on XXXX XX/XX/20 for XXXX with XX/XX/XXXX+ {$6.00} fee. from my debit card the recipient can not get into his fb acct he tried through a tech support still can't get in so he opened a new XX/XX/XXXXacct he doesn't see the $ I reported this to XXXX it appears to be automated can't speak to a live person I also disputed the claim with my banking institution normally with a debit card you receive temporary credit bank refused to do so I was also accused of lying by there employee who handled my claim she claimed the recipient received the funds without checking or researching which I didn't apppreciate recipient can not access his acct he doesn't remember his old password must be having problems resetting it.

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 2018-04-12
Company: National Medical Administrators, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I recieved calls and also letters regarding some pill that were purchased from XX/XX/XXXX from XXXX XXXX XXXXXXXX. When looking up info on the creditor they do not exist since there from a bike company the letters I have recieved none of the information matches. They call & state they will ruin my credit & that I have no opinion but to pay it. The company name is national medicial adminstrators inc DBA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was granted an extension to pay my car payment for XX/XX/2021 and XX/XX/2021. In spite of my regular payment being extended and documented, Chase Auto Finance reported my late for the month of XXXX which caused me to lose 55 points on XXXX, 33 points on XXXX  and 43 points on XXXX. I should not have been reported late if Chase agreed to extend the payment. It is unfair to the consumer for a finance company to agree to defer payments, then still report the consumer late during the agreed upon deferrment period. That is technically breach of their own agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a  XXXX   XXXX   XXXX  account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus (   XXXX   XXXX   XXXX   XXXX   ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: CO
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:
I have a credit card with Chase Banking. I noticed fraudulent activity on my credit card in XXXX of 2021. I immediately notified Chase, disputing the charges and opening a fraud claim. The claim was denied on the basis that a physical card was used ( according to Chase ). I was not notified the reasoning for this decline, I was forced to call them back and have it explained to me. I informed Chase at the time of reporting the fraudulent activity that I had the card in my possession, and this fact was still ignored. I also informed Chase that the state I live in is ( Colorado ), and it is where I was residing at the time of the fraudulent charges that occurred in the state of Missouri. I did not have any accessible records on my XXXX to prove me location, and because I work remotely, I did not make any other transactions on that day to prove my location. My only option is to pursue phone records from my wireless carrier, XXXX XXXX, however, when I called and asked for this help, I was informed that XXXX would only release the relevant records to me in the case that they are subpoenaed from a lawsuit. Since I do not know who made the charges, in a different state, I have no ordinary way to obtain the records that prove my location and allow my to successfully dispute the charges. As a result, I am forced to pay off the $ XXXX charges that were fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan transferred from XXXX to Chase. Starting XX/XX/2021 Chase mortgage start to charge flood insurance premium {$1300.00} annually. But I do not need to get a flood insurance. I shared FEMA documents that I got from XXXX team who used to take care my loan service. But Chase team didn't approved the document and got flood insurance and start to charge it. 

Whoever review this should contact below so he can explain why this zone isn't flood zone. I shared this but ignored. 

XXXX XXXX at XXXX XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One  is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX Card/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED OXXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-08-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
company send a Texas judicial branch certification commission certified process server to my home with threats that I will be sued for all my belonging such as personal property, vehicles and that the judge will rule against me for been such a big amount of money so I can pay-off the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Consumer Financial Services Solutions, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Around approximately XX/XX/XXXX, I contacted Beyond Finance to assist me with consolidating my credit card accounts and possibly getting settlements with the credit card companies that would allow me to clear my credit of any outstanding balances. At the time that I contacted Beyond Finance, my credit was " excellent '', in the XXXX range, with no late payments ever. Beyond Finance instructed me they would take care of paying the credit cards, with me making one payment to Beyond Finance monthly. It was six months before Beyond Finance started making payments from the money I had sent them, leaving red marks on my credit for missing payments. My credit score quickly plunged from XXXX to XXXX. 

I made the decision to refinance my home to get the money to pay off Beyond Finance and asked them to send me a quote of the amount that would pay off my remaining balances on my credit report. They quoted me the amount of {$2400.00}. I sent them this amount immediately and it cleared my bank on XX/XX/XXXX. After multiple calls each week, 3-4 calls each week, Beyond Finance tells me 14 days later that they quoted me the wrong amount and that I need to pay them an additional {$500.00}. I paid the additional {$500.00} to them on XX/XX/XXXX. My credit is still showing a balance owed on one of the cards, XXXX XXXX, and Beyond Finance keeps telling me they will graduate me from the program once XXXX accepts the payment. This has been going on for at least two weeks and no payment is yet showing to XXXX to pay off the balance of {$130.00}. 

I feel Beyond Finance has scammed me and has definitely ruined an excellent credit for me. I am in the process of buying a home and want all of this to be settled as soon as possible, yet it appears to be stalled, despite me having sent them {$500.00} more dollars. 

Thank you for any assistance you can provide. I certainly don't want anyone else to have to suffer the stress and worry that I have suffered with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have been a credit card holder with Discover since  XXXX . I have been paying a monthly fee since  XXXX  for " discover payment protection. '' I called Discover today & spoke with a special sector of their customer service specifically for this exact issue. I never agreed to this and Discover is stating that I agreed to the terms in  XX/XX/XXXX , but will not provide me with any record of the agreement. I have researched this problem & there have been many lawsuits against Discover for this same exact issue. Most people have succeeded with getting all of the money they paid over the years back, but Discover is refusing to refund all money even though I never signed up for or agreed to the terms of having Discover Payment Protection. They only offered to pay back six statement periods of the charges & continued to talk in circles, never giving an exact answer or an agreeable solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I ordered checks for my checking account from Citibank. Although this was the second order and when I ordered the checks - it stated on the website there was NO CHARGE. I have enclosed my receipt. Instead, Citibank charged my checking account nearly {$21.00}, then more money in overdraft fees. I have attached the proof that the checks were to be free. This bank, like many " big box '' banks lies to its customers and then fraudulently offers them services.

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 2017-06-03
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  to  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Citi Cards XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

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 2017-06-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The car reposession was removed off my credit and now placed back.

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 2022-08-25
Company: Experian Information Solutions Inc.
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation