BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Early Warning is using deceptive to re-initiating an investigation that has a timeline start on XX/XX/2022. All corresponding are still attach to the initial dispute. Early Warning are using deceptive responses to stall the process of producing supporting documents for the dispute. Early Warning tried to contact me by phone at my request I asked at all corresponds to be mailed. I am sending another complaint with all the correspondence since the initial dispute after I was denied a banking account with XXXX from the information that Early Warning provide. Early Warning influenced XXXX decision because it is a reporting agency. Early Warning has shown throughout this dispute process to have deceptive practices as a reporting agency. My next step of action is to file a form complaint on Early warning via Texas Attorney General website per Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My reliacard for unemployment with a balance of XXXX that I don't have anymore and need a replacement card but haven't been able to get cause of some block or something they said. I've made id verification attempts with no luck hearing back. This is my second attempt through this company. US Bank hasn't responded to me after uploading documents

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity bank sites have been down for 2 days. I have several store credit cards through them. You cant call either. Centers are closed. I want to make sure I am not charged any late fees or have any negative credit reportings due to their lack of communication as well as not being charged interest for the month due to the fact that I can not pay the bills and the balance and interest is accruing at no fault of my own due to their lack of planning and competence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Grain Technology, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/XXXX through XXXX Ive sent email after email requesting help changing my banking info since Ive closed one account and went to a better bank they send back an auto reply stating someone will email me back this has cost me over 90 points on my credit. Ive called and only get automated options no actual human. However they send a statement faithfully every single month. My credit has now went to the lowest its ever been all because no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX. XXXX MN have been calling and harassing me about a collection in the amount of {$590.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I took a 20 year loan with Banco Popular totalling {$91000.00}. On XX/XX/XXXX XXXX, I received a call from Banco Popular, XXXX XXXX XXXX XXXX. The call was to make me an offer of an amnesty of up to 4 months. My credit would not be afeccted nor late charges were not goign to be XXXX. I ask XXXX XXXX if the conversation was recorded, and he told me it was. I ask if the payments were going to be mmove to thje end of the loan and he told me yes. I ask if it was going to be a lump sum payment or installments and he told I just have to complete my installments. I took 3 months out of the offer of 4 months and resume my payments regualry. In my payment number XXXX I print the screen with the balance on the loan and the numbers of paymnents made. I did the same with the payment number XXXX. When I went to make the payment XXXX I notice the loan was increase by {$2700.00}. I made a call to the bank and spoke with XXXX XXXX XXXX, she send me a statemnet showing a second mortgage for the same amount, I stated writing since then telling her I have never apply for a second loa, that they sum that amount to me loan without my consent. I told her I wanted to hear the telephone converstion with an officer of the bank because the conditions offer and accdepted by me were very different to what they establish. XXXX XXXX told me several time that I just have to complete my XXXX paymnents, not that I was going to endo up payimg XXXX payments, that was not what we agree over the recorded conversation. I made the payment number XXXX and they charge my bank account but have not credited to the balance of the loan nor to the number of payments. I receives a letter that I missed a payment when I have the receipt of the XXXX payment. I hope you can help me, this institution is abussing of myself and probalbly of many other who have not notice the shceme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: GA
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:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received call from debt collector regarding medical debt owed to XXXX XXXX XXXX XXXX performed in 2018. I informed them the account was paid in full at the time of service and that I dispute this debt. No dispute information was shared with me via mail despite request for record of the dispute over the phone. 

Collection has now appeaoon my credit report affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank Loss Draft Department Hurricane Ian Flooded my home, flood insurance cut a check and I sent to Mortgage company. The company sent me a check for XXXX dollars- I deposited the check they cancelled it. I have contractors lined up and the company will not explain the issue or why I was given the check and it was then taken away. I was able to call and they stated their policy changed. I called on XX/XX/XXXX at XXXX and XXXX stated I would get a check for the total amount, called back on XX/XX/XXXX XXXX stated the check was mailed and at my home. I deposited the check on XX/XX/XXXX. I was notified by my bank on XX/XX/XXXX that the payment was stopped. I still haven't received notification from the company or a supervisor of why this occurred. I have a letter saying final disbursement was given and claims is complete. I have contractors coming next week and I won't have money to pay them to get my home where I can live in my home. I was able to get notification after multiple calls today that they would send XXXX for repairs. The problem I have is the poor information shared so I can plan to fix my investment ( home ) and the lack of communication and cancelling funds so my checks are going to bounce without that money and I will have to pay additional fees due to the incompetence of this bank.

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 2022-07-28
Company: SYNCHRONY FINANCIAL
State: TX
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:
Unauthorized to run a hard credit check on my credit report and they explained that they was doing a soft credit pull.

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 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 cordance 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 #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Coinbase, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I used my Coinbase Debit card to make a purchase from XXXX XXXX XXXX, and international merchant. The payment processor for XXXX, XXXX, stated they could not process the payment, however the payment came out. I contacted XXXX and they say it would be canceled and refunded within 10 days. The payment shows canceled but the funds did not return to my Coinbase balance. XXXX is saying Coinbase is responsible and Coinbase has not resolved the issue and is not responding to my communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called XXXX ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. XXXX has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I attempted multiple times to get my correct current balance and pay my XXXX credit card online. The website said there was a " glitch '' and try again later. I tried to reset my password but that did not function. I called Comenity Bank, the number on the back of my credit card on both XX/XX/XXXX and XX/XX/XXXX and both days received a message that the bank was doing a planned update that was taking longer than expected and to call later, then it ended the call. 
My credit card is due today but the balance I have does not reflect hundreds of dollars in credits for returned merchandise. I do not want to overpay but I can't access my balance, or anyone to tell me the current balance. I should not have to pay interest and penalties when I have attempted to pay online and by phone for 2 days. 
I was unable to reach a live person at Comenity by phone. Although I tried for two days, their recorded message instructed me to try at a later time and then hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been receiving calls from this debt collection company for months! Ive been blocking numbers but they keep calling from different numbers and constantly harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CITIBANK, N.A.
State: MN
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 ended up losing my card about two weeks ago and Citi gave me a virtual number to use while I waited for my card. 

Made purchase and the scam company then locked my account. 

Date : XX/XX/XXXX Price : {$610.00} I called and they didn't really understand XXXX process of replacement card number, original acount ( that was lost ), and XXXX Virtual number. 

I used the Viritual number then later I merchant locked me out of my account. They don't help on the phone either,

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX 2022 I purchased a netspend card and loaded XXXX $ on it so I could pay to take my class the next day. Well it gave me problems with activation and after missing. MY class I still had no access to the money. Called verification was done and still had no access to my mo ey and card was still on activated.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: SC
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act 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

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 2022-11-30
Company: Experian Information Solutions Inc.
State: SC
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:
15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to make a payment with Comenity for my Lane Bryant Store Card for 3 days now. They have claimed they are undergoing a planned system update. This has been going on for almost a week. I can not submit a payment online nor can I get anyone on the phone to pay the bill via the phone. My bill was due today XX/XX/2022 and I utilized multiple channels to attempt to make a payment. I am worried that I will be hit with both late and/or interest fees. The company should be proactive in alerting customers via email that something is going on and take action to calm the nerves that everything will be rectified and their customers will not be charged with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXXXXXX 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 XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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