BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: BARCLAYS BANK DELAWARE
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:
Barclays bank acquired XXXX  rewards credit card from XXXX XXXX. XXXX XXXX  directed customers to make payment by XX/XX/XXXX as transfer would occur on XX/XX/XXXX. I paid my entire balance ( as I always do ) with XXXX  on XX/XX/XXXX. When account was transferred to Barclay 's they transferred from XX/XX/XXXX so charges that were already paid from XXXX are now showing on Barclays statement XXXX 

I called over 2 weeks ago, got the run around and then after getting angry and asking for a supervisor was told this was a " known issue '' and they were " working on it '' I have payment due in 2 days ( which I will pay ) but I am NOT paying interest on their mistake ( because it's going to appear that I am not paying my whole statement balance ) I also should not have to be keeping track of what I truly owe, when their website is showing completely different numbers. This is a multi billion dollar bank. I keep getting customer service agents in the XXXX who tell me " their back office is working on the issue '' I am concerned for the people who may not have caught this error as I did, and will pay the balance their statement says is due, when that is not correct. I feel like this is fraud.

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: OH
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 got a XXXX XXXX credit card issued through Chase Bank. Every time I made an order on XXXX they would use this card even though I would switch it to my private debit card. I did not realize this was being done. I am trying to pay it but each month they just keep adding more interest. I am retired on Social Security and on a set income. I need some help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I contacted the collection company and agreed to pay my debt. The account that was mine I paid in full {$1700.00}. Before paying myself and the collection agreed that if I paid the balance in full that they would remove the account from all 3 credit .bureaus within 30 days from the date I paid. Since then I have reached out to them and I also sent the paid in full letters to each of the credit bureaus and they still have not removed it from credit report. I am currently trying to purchase a home and this is hurting my chances tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMER FST FIN Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
THIS IS A XXXX ADDENDUM TO MY DISPUTE # XXXX : XXXX ADDENDUMI know you all know what I 've presented to be true about the certificates XXXX being sold multiple and numerous times, and that XXXX XXXX XXXX, XXXX 's so-called Vice President is a fraud and will be prosecuted, who is really a vendor of XXXX. These certificates have been floating around since XX/XX/XXXX and XXXX did not modify our loan until XX/XX/XXXX ; five years later. Common sense should tell Shellpoint and XXXX that it is very possible some other entity had purchased the certificates before XXXX ; and they did and I have proof. But again, Shellpoint is only doing this to make a fast buck and well as XXXX and others Furthermore, XXXX had breach our initial modification by not reporting it in accordance with law, because it was done under the table and therefore, we would like our initial HAMP Tier 1 modification re-done because this is not our fault.. 

Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having several problems with XXXX XXXX XXXX, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by XXXX XXXX XXXX and they have forwarded this information to the credit bureaus which is causing an issue on both sides.

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 2019-12-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2019 XXXX removed what was agreed to be incorrect information they removed Ally Financial for {$8600.00} and as of XXXX they added it back to the credit file and my credit score has fell XXXX points since then this information is incorrect and needs to be corrected.

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 2022-01-21
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is inaccurate and an FCRA violation. AFFIRM INC # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In the month of XXXX 2017, one of my business associates sent me {$4000.00} and {$3000.00} through PayPal. PayPal does not allow me to use my funds for well over 3 weeks. I have to call them constantly and beg for them to release the funds. In addition, there is a very long wait, usually over 30 minutes, to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1000.00} Inquiry XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A sates I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX  ran my credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: AMERICAN EXPRESS COMPANY
State: AR
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 was charged by XXXX in XXXX of 2019 when i reported the fraudulent charge to XXXX  the refunded the amount immediately. ( I have documentation of this ) I canceled my card in XXXX of 2019. 
In XXXX of 2019 I was billed for the amount refunded. The credit card company state that i was charged again. The bill state the charge was made in XXXX and was posted on XXXX XXXX bill. XXXX stated they did not make a second charge. I explained this to American Express. American Express has not resolved this issue. American Express is trying to charge me for a charge that was refunded to them. I have tried to resolve this with American Express and they continue to bill me for the amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged by someone using my phone when it was lost to send money via XXXX and XXXX XXXX to un-authorized transactions, linked to my Chime checking account. I presented to them in a very timely manner within the same day of it happening, they provided me a provisional credit. They came back a few weeks later with a report saying they are denying my claim and that I ower them XXXX dollars now. I was disgusted that they could do this to me during a pandemic, and of course, I don't have any other " proof '' to provide to them to support this claim. Anyways though, it was fraudulant and now I am doing my best to format a complaint about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: TN
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 received Dispute Results Report # XXXX for XX/XX/20 ... which didn't Resolve my Dispute below.. 

I have a Letter of Deletion from XXXX XXXX XXXX regarding the Negative Information Account Number # XXXX which Experian Refuses to Remove from 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 non-monetary relief
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A credit card account was opened with Capital One using my email address. I continue to receive email notifications about this account. 

I contacted the company to let them know that I do not have an account with them and that they need to contact the owner and remove me from the account. 

Capital One have indicated that they can not do this and recommend the only path forward is for me to login ( commit identity theft ) to the customer 's account and close it for them. I've spoken with Capital One on 3 different occasions from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX XXXX XXXX. These issues were resolved. Several months later I received a bill from Capital One for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a Capital one representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a Capital One account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX   XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EdFinancial Services
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently received an e-mail from Edfinancial regarding a college XXXX loan they hold. Several years ago, they held my XXXX loans which were paid in full. At first I thought it was a bogus e-mail and was going to delete it. I clicked on the link and carefully maneuvered through it to see what information they may have on me or if any. When I called their customer service department I was informed they held my loan and wanted to speak to me regarding my payment. I had no idea they held a loan. I had not received any written notification or e-mail from the group holding my college note. According to their customer service department since they held my XXXX note they did n't see any reason to inform me as to holding the XXXX note. Those XXXX notes were paid off more than 5 years ago. When would they find it convenient to contact me? When I was past due? When I was ready charge off? In 1968, The Truth in Lending Act was approved. ( TILA ) protects a consume against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide a consumer with loan cost information so that you can comparison shop for certain types of loans. I check off approving the note from my university, but I had no idea you they were the holder of the note. If they approved my loan and viewed my credit, they will notice, I have steadily been paying down loans held by the state of Pennsylvania on weekly basis. If I had known they held the note I would have done the same and have begun to pay your note down as well. The note has accrued interest for over 90 days. I want the current interest accrued on the account removed. I will now send them weekly payments so as to begin to pay down the note and have it paid off sooner than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My account has not been credited with a cash reward which, according to the offer terms, should have been credited. I applied for a Cash Management Account with Bank of America/XXXX XXXX on XX/XX/XXXX and was approved on XX/XX/XXXX. The terms of the relevant offer can be seen in the attached email ( attachment # XXXX ). I quote those terms below and briefly explain how I have met each of them./ You must enroll during account opening by entering the offer code in the online application during account opening or by providing it when speaking with a XXXX XXXX XXXX XXXX I have attached a printout from the online application screen showing that the offer code was applied ( attachment # XXXX ). / Fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded my account with {$260000.00} in transferred assets on XX/XX/XXXX. See the attached page from my XXXX account statement ( attachment # XXXX )./ You must be enrolled in Preferred Rewards as of 90 days from meeting the funding criteria described in XXXX XXXX. I have been enrolled in Preferred Rewards since XX/XX/XXXX. See the attached screenshot with enrollment date highlighted ( attachment # XXXX )./ After 90 days from meeting the funding criteria described in XXXX XXXX, your cash reward will be determined by the qualifying net new assets in your account ( irrespective of any losses or gains due to trading or market volatility ) As I met the funding criteria on XX/XX/XXXX, adding 90 days results in a date of XX/XX/XXXX. On XX/XX/XXXX, and disregarding investment losses, my account had {$250000.00} in net new assets. See the attached page from my XXXX account statement ( attachment # XXXX ). / Your one-time cash reward will be credited to your IRA or XXXX within two weeks following the end of the 90 day period. As explained above, the 90-day period ended on XX/XX/XXXX for my account. So, the cash reward should have been credited within the following 14 days, i.e., by XX/XX/XXXX./ I have tried to resolve this issue already on several occasions : ( 1 ) I could not reach a XXXX agent by phone. I called XXXX at XXXX on XX/XX/XXXX ; was placed on hold ; and after XXXX minutes, while still on hold, was hung up on by XXXX automated system. ( 2 ) I mailed a letter on XX/XX/XXXX, containing the same information and attachments found in this complaint, sent to XXXX at XXXX XXXX XXXX XXXX, KY XXXX. I have not received a response. ( 3 ) I spoke with a BofA/XXXX  XXXX XXXX XX/XX/XXXX, who said they would reach out to the relevant people at XXXX about the issue.

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 2019-12-26
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I legally want US Bank to close my account Thanks XXXX XXXX

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