BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: AMERICAN EXPRESS COMPANY
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 bought an item from an online store and returned it. I reached out to the company about my return and they told me there would be a {$12.00} fee to return the item using their label, which was fine. The amount of money I should have received from that company was the purchase price minus the {$12.00} return label. After they received my return in the mail, they refunded me far less. They sent an email ( attached ) where they have some random 26.19 % charge on my return- with XXXX explanation as to what that is or why it's coming out of my return. I reached out to them to ask why I wasn't refunded my full amount and they didn't give me a straight answer. Given that the product I returned was unopen AND returned within the 30 day window as stated on THEIR site 's return policy ( attached ) I should be entitled to a full refund less return shipping costs. I raised a dispute with American Express with screenshots of the store 's return policy as stated online and despite raising a ticket twice, American Express has told me there's nothing they can do- which is ridiculous. Return policies are posted online for a reason. Stores can not just make up reasons to keep part of your funds because they feel like it and if a company like American Express is presented with ample evidence as to the store 's return policy, they need to ensure the store honors it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
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 is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK N.A. XXXX Date Opened : XX/XX/2020 Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: W&A Intermediate Co., LLC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 Wakefield and Associates of XXXX, TN texted me a debt notification letter. I disputed the debt, as I have never received a bill from the entity they are claiming I owe money to, via XXXX class mail with tracking. Wakefield and Associates received my response and signed for it on XX/XX/2022 at XXXX XXXX by XXXX XXXX. Wakefield and Associates has not sent any proof that I owe any debt. They are in violation of the Fair Debt Collections Act Section 809 subparagraph b If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

They have placed a disputed debt on my credit report without sending me any form of verification and proof. Their actions are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: SUNRISE CREDIT SERVICES, INC
State: WA
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:
Debt agency no longer has ownership of debt since XX/XX/23. XXXX XXXX XXXX has collected payment and the collector will not remove the collection.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-02-15
Company: Great American Finance Co
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from Great American Finance stating that I owe {$3000.00}. I called and emailed multiple times to report this as a fraudulent account since XXXX XXXX but have gotten nowhere in resolving this matter. I first called on XX/XX/23 and was told to send an email with my information to their administrator and I would hear back. Its now XX/XX/23 and I still havent heard anything from them. I called again asking for help and the representative XXXX actually hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already filed a written complaint and sending correspondence for evidence and l would like to know the status of my complaint.

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 2023-02-26
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
VIOLATION OF GA LAW REQUIRING AGENTS BE LICENSED TO ISSUE TITLE PAWNS OR LOANS XXXX XXXX ISSUED TITLE LOAN/PAWN ON XX/XX/2022 TO ME WITHOUT BEING LICENSED AS REQUIRED BY LAW Chapter 47 of Title 43 and Title 44 of the Official Code of Georgia Annotated XXXX XXXX XXXX XXXX and XXXX ; 7-3A-3. 87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4. 90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value.

1 enforcement of this chapter. 752 7-3A-46. 753 ( a ) Any person who willfully engages in the business of making motor vehicle title loans 754 without a license or exemption shall be guilty of a felony punishable as provided in Code 755 Section 7-1-845. 756 ( b ) Any person who violates any of the provisions of this chapter shall be guilty of a 757 misdemeanor, which shall be punishable by imprisonment for not more than one year or 758 a fine of not more than {$1000.00} or both.

GEORGIA MOTOR VEHICLE TITLE LOAN ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told LVNV FUNDING To provide me with the contract between me and them where I have agreed to pay them any amount of money and they have refused to provide me with it, they keep telling me that this account is mine and that I have to pay them. I told them that this account was never opened by me but it seems like that doesnt matter to them at all. I filled out an identity theft report and I am attaching it to this complaint. XXXX is also telling me that they have verified this information which I know that isnt accurate. Also XXXX is reporting this XXXX  account on my credit report that was not opened by me and I want them to do a complete investigation on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2023-10-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently and I have reached out to the company this is actually my second dispute of this item as the information that was provided addressed me by my name, but the account was noted as belonging to XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. I have supplied this information to the company. I have also asked for certification that they can collect debts in Texas as they are a company based in South Carolina. Paper work needs to be signed so I have asked for the wet signature that was used to open this account and a complete record of charges and payment information showing which accounts paid for these charges because I have had the same bank for XXXX years being XXXX XXXX XXXX XXXX XXXX I do not bank with any other institution and do not feel I should have to work this hard to clear my name XXXX have been a detriment to me and I do not appreciate being dragged through the mud for simply trying to clear my name and my credit from fraudulent account. I have only had XXXX credit cards in my name belonging to capital XXXX. XXXX are not in compliance with the fair credit reporting act because if you simply dig a small amount of research you would see thats not even my name to begin with I have my birth certificate, my government issued driver license and yall still are presenting fraudulent information. As you can see there is a signature on my id that is my signature and any account I have ever opened has asked me sign my name so I would like to be provided with all information related to this account not just the information you think is relevant as your company never even allowed me the original dispute time to reach out to yall I didnt know this account existed until it appeared on my credit report as a charge off with your company I was able to remove it when it was with credit XXXX bank because even they knew they didnt have an account with my when I provided my info. The info you provided also lists a different address that does not and has not belonged to me XXXX is not my address so again I ask you to remove this fraudulent account please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.

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 2023-10-02
Company: Nelnet, Inc.
State: PA
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:
I applied for the XXXX repayment plan in the middle of XXXX, 2023. The XXXX XXXX calculator said based on my loans and tax return I qualify for $ XXXX $ XXXX payments for XXXX payments under this plan and was the best option for my finances. It also stated that all of my loans qualify for this repayment plan. My servicer ( Nelnet ) asked me for a copy of my tax return which I provided to them promptly. They then emailed me saying they finished processing my application about a month later ( XXXX ) and said to be on the look out for additional correspondence from them ( It is now XX/XX/2023 and I still have not received any form of communication from them ). My payment amount is still the same amount it was for the standard repayment plan ( over $ XXXX ). Additionally some loans still show standard repayment. I have tried emailing them multiple times to which an auto generated response comes back saying to call them. I call and sit on hold sometimes in excess of 2 hours just to get hung up on. I have not been able to reach anyone and their website says due to unprecedented amounts of calls, please email them for assistance. I am getting nothing but the run around and have had no choice but to submit another application for the XXXX plan to force someone to redo their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called and requested a refund from my service provider, Mohela, on XX/XX/XXXX for my student loan payments made during the pandemic. The amount {$8200.00} was made on XX/XX/XXXX that I requested be refunded to me. The customer service representative said that the money would be refunded, but did not provide any sort of confirmation ( reference number or email ) that the processing would occur. No indication is on my Mohela portal that suggests it is being processed. 

I submitted a follow up message on XX/XX/XXXX and another on XX/XX/XXXX asking if I could get an update or some kind of documentation of the processing of the refund. No response has come. I then tried calling a few days ago to speak with someone and the voice recordings say that Mohela is not accepting any phone calls in the area I needed assistance in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i was XXXX in XXXX XXXX  someone stole my identity got into my accounts took all my money out of my chime account. i have proof of my iXXXX chime closed my account but will not refund my money or hear the fact i could not have made these transactions. i can not speak to anyone and they will not acknowledge the fact my entire account was hacked and i was robbed of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: RI
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 NUMEROUS 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, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX1-TransUnion XXXX XXXX XXXXXX/XX/XXXXTransUnion XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XXXX-TransUnion XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -TransUnion 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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