BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: MI
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 ; XXXXXXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2016-05-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
SYNCHRONY BANK HAS CLOSED SEVERAL OF MY ACCOUNTS THAT WERE NEVER IN NEGATIVE STANDING. THEY HAD NOT BEEN USED FOR A FEW MONTHS. I WENT TO TRY AND USE SOME OF THE CREDIT CARDS AND THEY HAD BEEN CLOSED WITHOUT MY KNOWLEDGE. I DO N'T UNDERSTAND WHY THEY WOULD DO THAT TO ME.

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 2016-04-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Transaction issue

Complaint:
I would like someone at my XXXX to investigate a transaction I made on XXXX XXXX, 2014 to a company by the name XXXX out of XXXX, WA in the amount of {$1000.00}. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms.

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 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. TransUnion 's reports my name as XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with TransUnion but they did not remove the account. TransUnion has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, TransUnion must remove the account from my credit report. Note that other credit reporting agencies such as XXXX  has removed this account to comply with law.

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 2020-03-05
Company: CERTIFIED COLLECTORS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CERTIFIED COLLECTORS is reporting 8 collection account that doesnt belong to me nor have they showed proof that they are my account I have disputed all 8 of multiple times but not once have they gave me proof that they are my account they all belong to another family members with the same last name they are just doing and saying anything to get money out of me because they said all 8 account needs to be paid off before any of them will be removed And they are lie on the remark on the credit report because I havent agreed to pay nor settle any of the account because they dont belong to me they are another family members account and nor have I signed say I will or be responsible for payment plz remove

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 2017-08-02
Company: First Data Corporation
State: CA
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:
FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   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 explanation
Consumer complaint received 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX  of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: DISCOVER BANK
State: NJ
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:
XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient refused to enter me into a secound income driven repayment plan. They allowed the plan to lapse and then charged my account XXXX in fees that I did not owe. They apologized but refused to reverse the charges. I am forced to wait 30 days to enter into a new program in which Im forced to agree to pay them money I can not afford

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX at XXXX I couldn't withdraw money from my Cashapp card through an ATM. The ATM kept declining the card. There is no Customer Service number on the back of my Cash App card. So I googled the number, and asked XXXX. XXXX said CashApp 's customer support number was XXXX. I called XXXX and a man answered saying : " Thank you for calling CashApp customer Support. How may I help you? '' He had a XXXX XXXX accent. I told him why I was calling. He asked me to hold. He came back and said my card was declined because there was a block on it due to fraudulent activity. He said he could help square the problem away. He told me to go to the XXXX XXXX   and download XXXX  quick support. I did. Then he told me to go to CashApp and chose the option in the bottom corner to scan my card. Then he told me to go to the app and start broadcast. Then go back to Cashapp to link bank accounts. My XXXX XXXX   account was there, he told me to delete it and re-enter it, with my account and routing number, then he told me to move {$500.00} from my cash app to my XXXX account. I did that. Then he asked if it went through told him it did. Then he told me to enter XXXX with an access code, then next. He said it was fixed. Then he asked to see the chip on my Cashapp card through the scan app, he said great, everything is fixed, and in 5 minutes I would be able to sue the card again. Five minutes goes by and I see {$1.00} in my account. I called XXXX. They said the charges are pending not posted. They said to dispute it and try to get my money back when the charges have posted. XXXX returned just {$550.00} to my account. I filed a police report w/the XXXX, OH police dept. The detective has not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern. 

CREDIT BUREAU EXPIRIAN INCORRECT INFORMATION LOW SCORE MUST BE UPDATED TO HIGHER SCORE, My name is XXXX XXXX XXXX, during the pass year of XXXX and XXXX, I have call EXPIRIAN,  for few different reasons, one XXXX XXXX XXXX collecting {$240.00} from a account don't exist any more, also the correction of punctuation is to low and I have been penalize by creditors do to a low SCORE punctuation, I understand each company is different, but regarding the score and removal of certain information by know I should by on a higher position today, again I have penalize denied from creditors because this numbers are hurting my score, I ask today to the office of CONSUMER FINANCIAL PROTECTION BUREAU, to complete a full investigation and I pray that with in next 30 day my punctuation can be some what higher than XXXX, XXXX XXXX and XXXX XXXX XXXX and any other should be corrected properly, also I take this few moments to ASK for the correction that has been dispute for ever and that is XXXX XXXX, this account was never ever late, it was a transition of payment, were a check process was not add on time, do to a fact that payment was also at the time was been summit-ed on online payment, do I have any evidence no, but I know it was never late, have I complain on this yes many times, House was sold and I have no evidence is why this company has taking advantage, but I was never late, have I call dispute on expirian yes but they dint care therefore I pray this can be fix or removed. 

Thanks Respectfully Mr.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
Consumer complaint received 2015-09-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: DISCOVER BANK
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 is not a duplicate complaint but a complaint of credit card companys payment policy. My credit card was stolen and because of Discovers payment policies the credit limit was exceeded and even doubled when bogus payments were made by the thieves which then bounced. Let me explain. The thief used the card up to the credit line and then called and made bogus payments as many as 4 times in a short period! And Discover kept accepting the payments and freeing the card to use. Discover never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Discover surprisingly was not aware of this tactic until I brought it to their attention by requesting the method of payments. I am not responsible for Discovers 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Discover could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Discovers software is elementary and doesnt allow a hold, they should have at least been alarmed when multiple bogus payments were made. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Discover denies  fraud and accuses me of siding with the thieves to my own detriment. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, PenFed Credit Union deactivated my credit card " in order to protect against possible unauthorized use. '' They had no basis for suspecting " possible fraudulent activity. '' The charges they identified were well within the parameters of the way I have used the card for years. I was unable to resolve the problem over the telephone, because when I finally got through to an agent, she had what I eventually came to see as an endless number of security verification questions, which led to the conclusion that she had no intention of helping me. It was also not possible to resolve the problem online. 

The " protection '' PenFed referred to was to protect them, not me the customer. And this " protection '' came with complete disregard for the convenience of a good customer.

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 2022-09-17
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I contacted this company on another forum to which they responded by sending a bunch of papers and an enlarged photo of an old ID card that I havent had in 7-8 years!!!! To which first off, it wasnt sent in the time allotted for by the FCRA for debt validation, which already makes this debt erroneous, but the papers they sent DO NOT PROVE ANYTHING.! They dont prove that I entered an agreement, nor do they prove that I owe any sort of debt to them and whoever XXXX XXXX is. I have never taken out money from either of these organizations and I demand Ad Astra remove its fraudulent trade line IMMEDIATELY and PERMANENTLY from all my credit reports ( XXXX, XXXX, XXXX ). This is your last chance as Ive already been advised by my attorney to go ahead and pursue legal action seeing how your company has violated numerous rights of mine. But Im willing to postpone by giving you this last opportunity to do whats right and rectify this situation. If you refuse this is just more evidence to bolster the case against you. Make the right choice and delete the fraudulent debt or face the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This information is inaccurate and I have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other

Complaint:
I recently moved away from home with a friend to a new location to find out that I have n't been able to purchase my own vehicle, rent a car, buy a phone, or set up banking account due to my credit. When I was younger I had a lot of things in my name that back fell on me and not be trained growing up on what to do or how to handle those situations I am now learning how to reach out to someone to report things under my name that I neither authorized or used. Or could have authorized at a younger age but did n't know what it may have been for not knowing what credit was or what it meant to have good or bad credit. I checked my credit report and see many things that I am definitely not aware of using or ever having, or even do not have at all on me. I do remember signing up for cards at a younger age with family that I thought was something like having a banking account. The older I got the lesser I saw any of those card and I do remember finding out about one of the, that I ended up calling to close. I start taking responsibilities for bill calls that I constantly received to my phone daily 24/7 not knowing what they were towards. And they stopped at a time so I though I took care of everything which was when I paid off a XXXX bill that my mother had in my name and never paid off when she discontinued that I did n't know anything about because I was not living with my mother at the time I begin to receive phone calls from them. I tried getting help from family member in order to avoid trouble with my mother on that certain cause. But there is a lot on my credit that I do n't recognize other than school loans and I still have another year to finish in where I can finish with school either because of my credit I 'm guessing. I do n't know how the credit thing works. And I need more education on what really has happened with my credit I do n't feel its fair on my end to have all this on me to stress that I had no cause for or knew what I was doing. And I want to fix that for a better life for myself being that I do not live with my family that I grew up with any longer. Just want peace from all of this that is so frustration about my credit that I never deserved and still do not barely understand. I was educated by a professor on ways to possibly help myself to better this situation as I did not know I could reach out to someone and not cause my family any harm. I do n't know what to do with all of this one me or even where to begin to start. I am struggling on my own as an individual and actually at a happy place that I have begin to find things out ( like this situation ) to better certain situations in my life that is causing me so much stress and frustration when I do not understand it. I pray that their is help from someone out there or who this message may concern. Look forward to hearing back as well.

Company response to consumer: Closed with explanation