BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was incarcerated from XX/XX/2021 to XX/XX/2021. While I was incarcerated someone accessed my direct express account and spent {$1300.00} of my money. When I was released I filed a dispute on all the charges that occurred while I was incarcerated. I provided direct express with my detailed release report ( which stated the day I went in and the day I was released from jail ), a police report, and my personal statement. They denied my original claim and are now giving me the run around with escalated claims. Stating that because the people used my card at places that I normally used it that it basically made it ok. They are refusing to give my money back even with the proof I have given then that I was incarcerated when the charges were done. The people that done this used the direct express app that was on my phone and reported my card lost and ordered a new one. When I filed the original dispute direct express did issue me a new card. That is all they have done however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit file I noticed a collection debt listed for the amount of XXXX ( Ref ID XXXX ) that did not owe, or have any knowledge of. On XX/XX/21 I contacted Resurgent Capital Services requesting validation of this debt. As of date XX/XX/21 I have not received validation or any response for that matter. As per The Fair Credit Reporting Act.Resurgent is in violation of the 30 day time limit to validate a debt and the debt must removed and cease being reported to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: SUNTRUST BANKS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code -  XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX. 

As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account. 

I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them. 

Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.

Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.

Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till 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 2018-03-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Credit Report is reporting wrong information. Report is fiction

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 2021-10-01
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the past 14 months I have repeatedly tried to get Respondent to reimburse the {$300.00} loan taken out of my account in XX/XX/XXXX because of their system malfunctioning. I have on record a recorded phone call between XXXX XXXX and a rep from Respondent discussing this issue and the promise given by Respondent 's rep to reimburse me and to this day has not. Since XX/XX/XXXX, I have tried to get Respondent to reimburse the money they were regularly taking out of my account without my authorization or record of the transaction and they have repeatedly refused. I have written several complaints to the CFPB, the FDIC, and this office between XX/XX/XXXX and present and have not received an explanation or compensation-in fact the illegal action of removing money from my account without my permission, knowledge, or record of the transaction have continued until the unknown date of the closing of my account. On XX/XX/XXXX a rep from Respondent opened a fraud investigation and promised an answer within 60 days. I never received an answer until on XX/XX/XXXX, I spoke to a rep of Respondents about a check I received from an insurance claim they took from me and they claimed that the fraud investigation had concluded in XXXX and I had a negative balance which is not true. Ever since I have requested on multiple times for an investigation to be done on why money was continuously being withdrawn from my account without my permission, knowledge, or record of transaction and the Respondents refused. I have on record in an XXXX spreadsheet the balance Respondents claim I had from the date of opening on XX/XX/XXXX, till present and my true balance and there is an approximately {$900.00} difference. I have tried reasoning with them and they either ignore me, make excuses, or hang up on me. They also refuse to give me the name of their process service agent nor allow me to speak with their legal team to try and resolve this outside of court. Since my account is locked and closed I can not access it to update the XXXX spreadsheet I will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: VA
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:
Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: General Motors Financial Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. 
I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. 
I e-mailed XXXX on XX/XX/XXXX but he had not responded. 
I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. 
I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this inaccurate account on my credit report with the credit bureaus for XXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX  has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves 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 2016-08-15
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card is has been declined through numerous merchants. Its not working at all. I called the company twice and I was told there was XXXX left on my card. It was declined from numerous merchants it was declined at XXXX XXXX  it kept saying card error and after numerous attempts to swipe the card and I even tried to swipe it at a restaurant a day or 2 ago and the cards not working. I called back and the rude represtatives refused to anything. I went through two different representatives and the one of the representatives kept telling me that she couldn't see any declined transactions and she refused to let me talk to a supervisor. She kept saying that the supervisor was going to say the same thing. She absolutely refused to anything for me. I can't use my money at all. I spoke with 2 different representatives from vanilla gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Bread Financial Holdings, 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:
On XX/XX/2021 I was at XXXX XXXX in XXXX, PA, XXXX. I thought I was scheduling my upcoming oral XXXX. They had me sign a form on a tablet, which I assumed was permission for my XXXX. Unknown to me, I was signing a new Credit Inquiry for them of {$1400.00}, that they wanted in order for them to even do the XXXX! I have called Comenity Capital Bank, XXXX  XXXX  XXXX  and XXXX XXXX to no avail. I was on the phone 3-way with XXXX before my appointment, and with my insurance company, XXXX XXXX XXXX and XXXX was assured that I was fully covered. I am trying to repair my credit, and I do not want this Hard Inquiry on my report for 2 years, whenever I did not authorize it in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells fargo bank has continued take advantage of me as well as others that trusted wells fargo bank to help me and others to becoming financially stable. Now time and time again I told wells fargo that my checks was being direct deposit was being sent to a savings account and not a checking account. And I was not informed of all these hidden fees until the last minute. After going into the branch and having things notarized the bankers didn't tell me about all these hidden fees until now. Now this banking institution is supposed to be a professional institution now I see that it is not a professional institution and now the bankers at wells fargo bank has threatened me by saying that the reason for the call and what the call was supposed to be about and what can wells fargo bank can do for me I told those bankers how this banking institution can help I told them to tell the truth. This is institution is supposed to be a professional institution and me and others has trusted wells fargo bank to help me and others customers and consumers to become financially stable. Even the past bankers of wells fargo bank even has said that wells fargo bank was closing accounts that needed to be closed and was had been fined {$180.00} dollars for opening up XXXX XXXX accounts with out the authorization of the customers and consumers permission.so it's true that wells fargo bank loved to take advantage of people.

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 2021-09-30
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I checked my credit and saw accounts from consumer adjustment from XXXX XXXX for {$1400.00}. 

I contacted XXXX XXXX XXXX XXXX and they said they do not have any record for {$1400.00}. They stated they have Financial assistance forms for me on file and there would have never been a bill generated for my service in XX/XX/2016. They told me the fee might be associated with the doctor, XXXX XXXX. 

I contacted the numbers associated with XXXX XXXX private practice and was told the doctor retired, the office is closed and the debt is invalid. They told me to contact the collections agency and tell them Im not responsible.

I contacted consumer adjustment and told them the account doesnt exist. And even if it did, its a HIPPA act, which guarantees my medical records including costs associated with services are protected by my right to privacy. 

I also let them know I never received any correspondence about this debt and it should need deleted. They rep stated the documents were sent to an address Ive never lived at. I told her I was homeless living in my car and had no address, so not sure where they mailed it but I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: FL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: General Motors Financial Company, Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.

Company response to consumer: Closed with explanation