BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Incomm Holdings Inc.
State: NE
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:
I was given a {$100.00} Vanilla Gift card and I checked the balance right away which was correct. I tried to use it at XXXX XXXX and it would not go through, I tried at another store and it was declined. When I tried to check the balance I had trouble with the website but finally got through. It said I had a XXXX balance and a pending transaction. I called customer service ( waited on hold XXXX min ) and was told it was just pending and the money should be back on the card within a week. I checked again after a week and it has a XXXX balance and there was a transaction called proauthentic for {$100.00} which I did not make. I have tried and tried to call but customer service never picks up. I have looked for a way to email the company and there is absolutely nothing to be found. I read the reviews from others regarding Vanilla Gift cards and they were awful, this company should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I ran my free credit report through Experian and found a negative report from the following company that I have never set up a credit card with and have never received any sort of a past due notice. The creditor 's information is : XXXX, XXXX XXXX XXXX XXXX XXXX, SD 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 2017-05-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im going some difficult financial times and I have requested tha t Wels Fargo h elp me with a short sale on the property. I have a realtor and an offer on my home. A cash offer!! I sent in my short sale package at the beginning of the month so that they have enough time so look over the info. I need them to respond so that the sale date will be postponed so that we have enough time to do the short sale.

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 2017-05-15
Company: U.S. BANCORP
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  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 2016-06-10
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I filed a complaint against this company on XXXX/XXXX/2016 regarding a forbearance request. I received a letter stating I would hear from them again in 60 days. I continued to make partial payments, all that I could afford, on my account and was told by customer service this would be enough to keep them from reporting me as delinquent on my credit. I called them today and they denied the existence of my request, and had already reported my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a  XXXX   Mileage Plus  credit card through Chase for 22 years. I am a model customer and I always pay my bills on time. I owe nothing other than the monthly charge each month.     The annual fee  XXXX  {$60.00} per year for 22 years,.     I was just notified by  Chase th at my annual fee will be increased to {$95.00} per year. That is an increase of more than 30 %. This is outrageous and should not be allowed.     The flimsy excuse they gave for doing this is to " standardize terms for cardmembers who have the same account. '' This is nonsense.     Please do not allow them to gouge good customers like me.     I am eager to hear what you have to say.     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
MY CREDIT REPORT WAS PULL BY A COMPANY THAT HAD USED IT IN THE WRONG WAY, AND NOW THIS EFFECTING MY SEARCH FOR A PLACE TO LIVE.SO I NEED EVERYONE TO KNOW THAT THE CREDIT REPORT IS FRAUDAUL DO TO MY IDENTITY WAS STOLEN BY A PROFESSIONAL HACKER, AND I AM HAVING PROBLEM WITH THE CREDIT REPORTS WITH A XXXX CREDIT BUREAU, I WOULD LIKE THIS TO BE PUBLISH

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 2017-05-15
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In  XXXX  of   XXXX    XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) r eceived an execution on money judgement for a charged off credit card debt. The deb t collectors of Lustig, Glaser and Wilson  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issue, the CFP can get to the right people to make this right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Incomm Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My XXXX year old son son was given a prepaid Visa gift card issued by Vanilla in the amount of {$50.00} last year ( XX/XX/XXXX ) by a friend for his birthday. The card was in a sealed tamper proof holder/envelope. We just opened the card today ( XX/XX/XXXX ) and I called in to get the balance and an automated system told me the balance is {$1.00}, so almost the entire balance has been drained by Vanilla or the issuing bank in less than a year and a half. The gift card package says the only fee is a {$4.00} purchase charge the first time its used, the expiration date on the card and packaging is listed as XX/XX/XXXX, and there is no other indication that usage/account fees or charges would apply, so we had no idea this company would drain the balance before the card was ever opened, activated or used. When I attempted to call Vanilla to speak with customer service and inquire whether there had been any charges and to complain about whatever fees they have withdrawn I got an automated system and was out on hold for half an hour before I gave up. Also, I could not locate a way to email them or otherwise contact customer service on their website. When looking through the printed materials/warranties provided with the gift card, there is no fee schedule listed ( only the purchase fees are listed ). This company is withdrawing fees before cards are even activated and not clearly indicating that fact on their packaging or even in their warranty materials, and is not a available to field inquiry calls or complaints. My son has lost virtually his entire birthday gift to these predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CITIBANK, N.A.
State: MN
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:
Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows 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 non-monetary relief
Consumer complaint received 2021-12-29
Company: FinCo Services Inc DBA Current
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:
Okay I'm going to start out with Mom banking account with Current Online Banking. Twice this year someone has been able to log in to my account and wipe my monthly XXXX check out twice also happened early this month. Also few months ago someone sent Social Security Administration a letter stating that I have changed my banking information which I did not do after Social Security look it up they said it was electronically done through my bank. I called current and they said that they did not do it. Now after signing up with XXXX XXXX they just sent me a statement stating that my credit had dropped so I looked on it and there are a couple loans that I did not do. 

Update : Partial of my XXXX check was taken in three transactions ; XXXX XXXX XXXX XXXX XXXX XXXX My entire XXXX check has been taken in two transactions, XXXX $ and XXXX XXXX which only left about XXXX $ in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15
Company: EQUIFAX, INC.
State: MD
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 contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.

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 2016-12-09
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed a late payment from XXXX with XXXX XXXX XXXX XXXX on Experian. I provided documentation showing where the error was on their part. XXXX XXXX had agree to remove the late pay on their system based on this documentation. Experian did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Experian leave it on my file after the dispute?

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 2016-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.

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 2021-12-29
Company: JPMORGAN CHASE & CO.
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:
Hi, I filed a dispute with Chase against the merchant XXXX for a transaction that occured on XX/XX/XXXX. I filed the dispute on XX/XX/XXXX. XXXX is a monthly subscription box service. I changed my subscription to a monthly subscription prior to my renewal date, but they did not process it and charged me for the full 6 months for {$270.00}. I disputed XXXX of this transaction, or {$220.00}. I received a notice on XX/XX/XXXX that my dispute was denied. Chase did not reach out to me before their verdict to get any info from me. I called them and was told to send a letter with my support to an e-mail provided, which I sent on XX/XX/XXXX. I did not hear back from them. After waiting, I then called again and was told to submit a secure message on the Case XXXX, which I did on XX/XX/XXXX. They replied on XX/XX/XXXX saying they were looking into it. I did not hear back, so I once again reached out on XX/XX/XXXX. I was then told to call them. I called yet again and they told me too much time had passed an that they did not receive my reply on XX/XX/XXXX ( for which I have gmail proof of ). So now they want me to mail it in -- which I will do, but I am sure I will be led in yet another circle. In addition to all of this, the merchant did not even send the remaining boxes and Chase would not let me open another dispute. So I paid money for something I didn't authorize, and on top of that, after being stuck with the charges, I did not even receive the products I didn't want in the first place. I'm really upset with Chase 's dispute process as I reached out multiple times and they did not once reach out to me to contact me on the phone during this process or to ask me anything. I've just been told to contact via XXXX XXXX and nothing was ever done. I'm just at a loss as to what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.

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 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all three Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around

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 2017-01-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX has a partnership with Experian. They have a credit score on my landing page that says its mine. It was XXXX, so i went ahead and applied for a car loan. They turned me down. They told me they dont use that score but pull from Experian and XXXX. They suggested i pull the report from them, so i did and Experian is XXXX points lower. When i called to ask why no one would say, they said there is XXXX negative report, and to dispute it. I did and every since than my score has been going down daily, yet when i call they wo n't answer why even though i have a subscription with them. They refuse and either transfer me or tell me to call XXXX Its XXXX deragatory payment that is not correct. I ca n't get anyone to help me. My credit score has dropped daily since i started to ask why ...

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 2017-05-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.

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 monetary relief