BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Chime Financial Inc
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Clicked open on Chime app based on the online ads, the in-app ads, and the card name. Later, I checked credit my credit. XXXX reported that the account had been opened despite a credit freeze on my XXXX report. The account damaged my credit score according to XXXX, significantly. The account was then not closed immediately when requested. Numerous requests were made to close the account and have it removed from the 3 credit bureaus as it was only opened to improve my credit. It seems in violation of Federal law and not in the consumer 's best interest to advertise a service that does the opposite of its advertised and name claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In response to CFPB complaint XXXX, XXXX stated it would not respond to any further complaints regarding the issues within XXXX unless I submitted " compelling documentation. '' It would seem that despite providing XXXX ( XXXX ) years worth of Driver 's Licenses, XXXX did not believe they were sending billing statements to an incorrect address that was neither my address nor my physical address. And, despite disclosing my documented XXXX, it appears XXXX did not believe my XXXX under the XXXX would render me unable to communicate, write, think, etc., in instances where there are or have been supply shortages of medications I use to treat the disclosed medical condition. Finally, despite my disclosure of XXXX ( XXXX ) separate COVID infections followed by XXXX ( XXXX ) separate periods of XXXX, XXXX did not believe such periods of XXXX and/or XXXX would render me unable to communicate, write, think, etc. Hopefully the near one-hundred ( XXXX ) pages of documentation provided make clear a ) I do not live in Florida and have not lived in Florida since 2007, b ) I neither have a current mailing address in Florida, XXXX have had a mailing address in Florida since 2007, c ) I have a XXXX that is managed through medication that has been in short-supply for over XXXX ( XXXX ) year, d ) that shortage is on-going, XXXX ) I am rendered unable to speak, think, write, etc. due to the lack of medication and/or sudden cessation in medication when I can not get my prescriptions renewed due to the supply shortages, f ) For the period over which XXXX was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing XXXX have overwritten my corrections, I was unable to speak, think, write, etc. due to the lack of medication and/or delays in prescription renewal, and/or sudden cessation in medication caused by the supply shortages, and/or because of long-COVID related XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After a property sale, settlement was made at another bank where the business that I co-own held an account. Once those funds became available, within a day, a check was drafted from this bank to my Wells Fargo business checking account. I deposited this check in the branch on XX/XX/ and asked the teller to confirm availability of funds. She told me that {$250.00} would be available immediately and that the balance of the {$82000.00} would be available on XX/XX/. On XX/XX/ I received a notification in the Wells Fargo online banking portal that availability of funds had changed to a partial on XX/XX/ and then {$76000.00} would not be available until XX/XX/. Checking with the bank where the check was drafted from, I confirmed that the full {$82000.00} had cleared from that bank on XX/XX/. I contacted Wells Fargo by phone and was informed that the extended hold on the funds was due to the amount. I confirmed that Wells Fargo did not suspect fraud and that they were only placing the hold because they could by law. Wells Fargo sent a letter by mail dated XX/XX/ indicating that the hold was " in order to allow time for the deposited check ( s ) to clear. ''

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 2023-12-11
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A lady named XXXX XXXX said she sent money to me by Zelle. I received an email saying she sent it to me. But it was on hold due to a verification. Says i had to sent a clearance fee. And to do it by text to a number. The person from XXXX wanted me to send money. And XXXX was supposed to be a Zelle Support Agent. They tried to get me to send money but it failed and my account was flagged. They tried tol get me to create a XXXX account but i didn't do it. Now they're mad that i said i would call Zelle to say something about it and they stopped contacting me. I got my account straight and now i am glad I didn't send the money. I knew it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NJ
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:
I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX, my loan servicer was transferred from XXXX to American Education Services http : //www.aessuccess.org/ In all of the years in which I 've paid my loans ( nearly a decade ) I 've never had so many issues with the transfer of information, data, etc. I have filled out their online form for direct debit three times, endured customer service representatives lying to me about how my transactions were processed, received several pieces of mail in which they stated my interest rate had changed ( it had not ), and all the while there were several interactions in which supervisors told me that they were researching my account to see what happened ( while keeping me on hold for approximately 20 minutes ) without receiving an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX  XXXX issued a lawsuit on behalf of Discover Bank when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: IN
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:
Experian continues to violate FCRA with stall tactics!!! they are refusing to acknowledge dispute letters sent by me in type format!!! i used a free website to type my dispute letters and i made that clear to them in the letter they still continue to STALL!!! 

STOP EXPERIAN FROM STALLING!!

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 2020-07-20
Company: Harris & Harris, Ltd.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The name of the company is Harris and Harris and they call multiple times daily and I have told them I do not owe any debt to them or anyone else yet they continue to harass me. Please help me in stopping them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit 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 received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through. 
Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.

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 2023-02-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had been considering switching banks and came across an offer for new Citibank banking customers. The offer states that Citibank will automatically deposit bonus amounts in cash for new customers opening accounts. I deposited {$80000.00} into a new checking account which qualifies me for {$1000.00} bonus which needed to be deposited within 30 days after a 90 day period during which you must maintain is {$75000.00} minimum balance. I meet all qualifying conditions, fulfilled all requirements but I haven't received the promised bonus amount. At this point it is almost 3 weeks past the said bonus distribution date. Please see attachments I called city bank customer service six times without any results. Each time I am told I qualify for the bonus but I am yet to receive it. I inquired about the reason for delay but keep getting inconsistent answers. One day I'm being told my complaint has been reviewed and funds will be deposited in 48 hours next time I'm being told they are still investigating.

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 2023-11-01
Company: EQUIFAX, 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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: DE
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:
I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
That by law since the account was purchased from the original creditor, the XXXX paid your debt. Thus making the original terms, conditions and legal obligation to pay the alleged debt void. Since the alleged debt was paid off to the original creditor that under certain sections of FDCPA, paying the debt without an agreement with XXXX to pay the debt, voids any claim. Under the FCRA and FDCPA, provides that adequate validation be provided. They did not provide adequate validation that the account is in deed yours and that you owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: KY
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:
I was charged XXXX on my Venmo account from an unknown apple bill. I checked and it was a subscription for some random company I have never even heard of. I tried to dispute this charge with Venmo, and they just blocked my Venmo card. The purchase was made on XX/XX/2022 and I have been fighting this case ever since.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX had a dispute on my credit card due to balance showed when the card was paid off. 

Experian called XXXX and told my credit card company that fraud was going on my credit card in which it was not. 

Experian caused XXXX XXXX XXXX in which was closed and I did not call or email saying there was fraud on my account in which there was false statements made on my account. 

Experian also did not have my permission to claim fraud in which point there was no fraud done on my card. 

The dispute was about Experian not updating the correct amount and making false statements that was not called in as fraud and avoided what was the complaint made on the balance and Experian put a twist to the whole matter by creating false claims. 

XXXX XXXX XXXX XXXX XXXX negilent closing my account with no notice by Experian making false statements. 

There was no report made by me as stolen or fraud on my card by signature or a call to XXXX XXXX XXXX If the matter is not resolved I'm going to file a law suit on XXXX XXXX XXXX XXXX due to fair credit practice and false claims made by Experian and XXXX XXXX not calling me or BY mail. email or nothing closing my account by error and being bias to claims by not contatcting me. 

There is no balance nor any fraud that was done. 

What was committed was negilance due to false claims and being reckless.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX account XXXX and account # XXXX violated my rights 15 USC 1681 602 A states that I have the right to privacy.

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX 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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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