BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit 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:
On XX/XX/XXXX  I placed an order with JCP for Black Friday specials, and when I went to check out, my JCP card wouldn't work. A coupon from XXXX Pay pal popped up on my screen and offered me an {$18.00} coupon if I paid for my order through Pay Pal. My JCP card was attached to my Pay Pal account, so JCP charged me six times for various amounts totaling {$470.00} ( they charged me only when they shipped the boxes out ). and then they charged me through Pay Pal for {$450.00} for the same order. I only received one order, but I was charged twice. I have tried to resolve this issue for over 8 months now, and it is still in dispute status, but has not been corrected. JCP is blaming PayPal and Pay Pal is blaming JCP, so I have been back and forth so many times, I can't count.

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
Consumer complaint received 2023-01-06
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, a check was mailed from my personal bank to XXXX Bank in the amount of {$4300.00} as payment on this account. My records indicate this check was cashed by XXXX Back on XX/XX/2022 ( see copy of check attached ) and posted to my account on the same day ( see enclosed statement ). 

During the period that my payment was in transit ( in the mail ), my account held by XXXX Bank was in transition to be handled/controlled/owned by Barclays. 

On XX/XX/2022, once the account was under the control of Barclays financial institution, the payment of {$4300.00} was reversed ( see the enclosed statement from Barclays ). 

I have repeatedly contacted and disputed this matter with Barclays since receiving my XX/XX/2022 statement. The payment of {$4300.00} has not been restored to my account and, interest has been accruing on this matter since the error occurred. I have attached two of the many letters ( which are similar and provide the same message ) stating that they are unable to handle the request after waiting approximately 40-60 days each time. They then instruct me to contact them again regarding the matter only to take me through the same process with the same result. 

Per the enclosed letter from Barclay, concerning the transition from XXXX to Barclay, payments made prior to XX/XX/2022 were to be mailed to XXXX. The payment in question was mailed prior to that date and was sent as instructed to 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 2020-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother wanted to add me to her account in the event something happens to her. She is in her 80 's with health concerns, When we went to the Chase branch today the bank officer said she could not do it because I had a closed account in 2018. Not that I owed the bank money, but I had a closed account. What does a closed account have to do with having access to her account in case of an emergency. This is a multi-billion dollar international financial institution. What purpose does it serve to deny me access. I don't owe Chase any money. Chase should get over it. I have never been so disgusted. You should have seen the nasty, unprofessional letter they wrote me about the account they opened then closed. They are the ones with questionable integrity. Click this link. XXXX : XXXX If they do not honor my mother 's request. I'll get the word out to my 500+ connections who will see how a XXXX dollar bank treats mainstreet . Wonder what the Obama Foundation would say?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The late payment occurred in XXXX of XXXX during the nationally declared XXXX  Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on 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 explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
I have filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center.

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I.

Experian has violated my rights.

15 U.S.C 1681 Section 602 A. States. I have 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 2022-06-14
Company: Resurgent Capital Services L.P.
State: CT
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:
LVNV FUNDING is reporting a fraud account on my credit. I didnt open this account and I am not responsible for it. Please suspend all activity on this account and remove it from my credit. Please see the attached Federal trade Comission report and my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The Credit Card Accountability Responsibility and Disclosure Act of 2009 outlines that any amount made over the minimum payment should go to the highest interest balance on the card, then 2nd highest and so on. My bank, USAA Federal Savings Bank, is not doing that with their XXXX XXXX card that I have. I recently transferred a balance at 0 % interest in XX/XX/XXXX and also had a cash advance for overdraft protection and some purchases with interest of 20.15 % that month. When I made my payment in XX/XX/XXXX to cover the previous months cash advance and purchase balances to leave the 0 % balance transfer amount, they applied the payment of around {$1500.00} to the 0 % balance 1st and which left around {$1500.00} balance combined from cash advance and purchases being hit with 21.65 % interested which is evidenced on my XXXX, XXXX, and XXXX invoices! This is illegal as per the Card Act of 2009!

Ive attached invoices from XXXX - XXXX so you can see the history of transactions and how payments have been applied. The illegal interest amounts began on XXXX invoice after my {$1500.00} payment was applied illegally to the 0 % interest card 1st, leaving {$1500.00} of balance receiving the higher interest rate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had set up a payment plan with Discover card due to a financial hardship. They were auto drafting {$200.00} a month from my bank account for the last 2+ years. In XX/XX/2021, they did not withdrawal the money despite their being sufficient funds in the account and then reported it as a late payment to the credit bureaus. When I contacted them to have it resolved they claimed I had been making the payments to them and they were not automatically withdrawing. This is completely false and has now adversely affected my credit. I paid the balance and closed my account so it does not happed again, however I have no recourse to correct my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; 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

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 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/23, I took my settlement check to the branch in which I was told that {$220.00} would be available today and the remainder would be available XX/XX/23. Today ( XX/XX/23 ), I checked my account to find that the amount that was supposed to be available was not there. I then checked my email to find that Bank of America emailed after my visit to the branch saying my deposit wouldn't be available until XX/XX/23. I have a receipt from the teller saying the funds would be available on the dates originally listed. I feel like I was lied to so that I could do business with their bank. While I understand that there would be some hold. It is unfair to extend it a full week and give no explanation as to why. It says holds are usually 5-7 days and this date they have given me is beyond that window.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
This complaint is directed towards Experian, XXXX, and XXXX Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -

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 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

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