BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: SYNCHRONY FINANCIAL
State: NJ
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:
There are four ( 4 ) unauthorized postings on my TJX Credit Card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each for {$38.00}! 

The alleged merchant : XXXX  XXXX  XXXX.XXXX XXXX  MN I NEVER heard of this outfit and NO nothing at all about it! 

BUT TJX CREDIT CARD refuses to stop this alleged merchant from charging my said TJX CREDIT CARD! AND SAYS IT SHALL TAKE UP TO TWO ( 2 ) MONTHS BEFORE IT DOES SO. OUTRAGEOUS!

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 2019-06-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2019 I reported a number of unauthorized charges made using my Visa debit card. I requested a new Visa debit card to be sent to me via expedited delivery. As of todays date, I have not received any adjustments on my account for the fraudulent charges, any of the 6 fees associated with the charges, and three of my checks have each been returned due to the banks failure to adjust the charges. US Bank advised me that they would take as long as 10 business days to adjust the charges on the account, basically leaving customers with no ability to recover their funds sooner. The bank should not expect customers to cover negative balances and fees caused by unauthorized charges. 

Most disturbingly, however, is the fact that when I deposited a check into my account on Sunday, XX/XX/2019 to cover the fraudulent transactions, my check was adjusted from my account because the name on the check was slightly misspelled from my name. US Bank has  been completely unable to assist me with my matter, Ive experienced the most incompetent and disrespectful customer service of any bank Ive dealt with, and the Branch has conceded that they, too, have no ability to assist.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I discovered on my Chase online banking that my account had been hacked again. 
A total of 9 ATM UNATHORIZED withdrawals were made on XX/XX/XXXX. This occurred again after chase had send me a new card and returned my money back on XX/XX/XXXX. from previous claim with same situation. 
I immediately reached out to Chase bank again thinking how this could be happening again, after I had just received a new ATM card. 
The chase representative informed me that the transactions were made with my NEW card and my PIN was used. 
I was in disbelief, I explained to the representative that I never lost the new card and was always with me and I did not make those atm withdrawals. Also discovered by talking to the representative that an address from XXXX NY was on my account, that was the city and State where all the transitions from my previous claim occurred. 
The representative proceeded to remove that address from my account and a new claim was submitted on XX/XX/XXXX. for a total XXXX on unauthorized ATM transactions. 
On XX/XX/XXXX the claim with Chase was denied again, saying that the transactions were made with my atm card and Pin number and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt several times. I have asked for proof that I owe it they just keep answering my dispute that this debt has need valadiated as owed. I have been asking for them to send me a contract or my signature on a contract they have refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Nelnet.com, Concerning a debt that, I do not owe. After they have been notified by my attorney, To Decease and Desist from communicating wit me they still engage in Practices that is in violation Pursuant to the Federal Fair Debt Practices Act ( 15 USC 1692c ), and is in violation of Federal Law. The letter Date : XX/XX/ 2019, also fails to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding my previous complaint : XXXX. This complaint was closed, without it being resolved. XXXX, who works at Synchrony, and replied to the previous complaint, gave her phone number in regards to seeking information about the charges at Synchrony Bank, will not answer the phone, and won't call back on the numerous voicemails I have left her. The fees in question originally with the original complaint that were on my account, are still there. They have now added to my interest-free payments, a XXXX  amount of over {$100.00} - I have not made any purchases, and I have not used the credit card at all, besides what was already on there for my interest-free payment. This company is still trying to scam me out of anything that they can, and can't explain any of the charges properly- and are now trying to scam me again. My balance went up, but there isn't an explanation in my account activity. XXXX erased the balance I was seeing to make it look like she resolved it but then went up on my overall balance to hope I wouldn't notice.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 my fiancee and I inquired with XXXX XXXX XXXX  about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.

In the end, we decided that we will get the mortage under my fiancees name. 
Despite this, a hard pull appeared on my credit report, which I made XXXX XXXX aware of and asked them to correct it. I emailed XXXX XXXX XXXX  to make them aware and they simply ignored it saying they did not pull my credit. 
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed XXXX XXXX XXXX  to provide an explanation and they only stated that they did not pull it. 
I called experian and they removed the duplicate pull but experian told me that they could not remove the other pull and that XXXX XXXX XXXX  would have to file a dispute. 

I emailed XXXX XXXX XXXX  to do this with no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX, XXXX, I opened a checking account with Huntington Bank with a check from XXXX XXXX  in the amount of {$110000.00}. XXXX XXXX  records show that XXXX XXXX  completed that transaction THAT VERY DAY! 

Huntington Bank did not release the hold on that account for XXXX DAYS, XXXX day past THEIR " standard '' holding period of XXXX days, of which I was never informed when opening the account, and XXXX day BEFORE I received a USPS letter informing me for the first time that a five day hold would be imposed.on that deposit. 

Previously, I had traNsferred that same exact amount from XXXX XXXX XXXX XXXX to my account at XXXX XXXX  ; that deposit transaction was IMMEDIATELY accepted and available. 

When I called Huntington bank on XXXX, XX/XX/XXXX, AT XXXX XXXX  IN THE XXXX, on a business day, I was greeted with a RECORDED MESSAGE saying they were too busy to answer the phone. 

Then XXXX inserted a note in my XXXX calendar in my computer. AS A VICTIM OF BOTH A RANSOMWARE ATTACK AND IDENTITY THEFT, I AM FURIOUS.ABOUT THIS INTRUSION. 

WHAT COMPETENT, PROFESSIONAL FINANCIAL ORGANIZATION DOES BUSINESS LIKE THIS?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-04-05
Company: EQUIFAX, INC.
State: NE
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX of XX/XX/XXXX, I was furloughed from my job during XXXX. I was current with my home loan at that time, but due to my circumstances I requested information from Wells Fargo on putting some payments at the end of my loan. Once I began working again, I contacted them to resume payments. They said I had been placed in forbearance, which I did not request, and that they would send me paperwork I had to fill out to resume payments. They sent out papers in my married name, and I had been divorced for XXXX years at that time. In addition, the mortgage had always been solely in my name. 

When the papers finally came through, they had added a large lump sum payment for my loan to immediately be brought current all at once, before they would let me resume payments. I made my regular monthly payments anyway, and all were put in a suspense account. After some months, all payments were applied to the back months when my payments were suspended during XXXX rather than applying the missed payments to the end of the loan as I had understood. Wells Fargo then made it impossible through their app or their local branches for me to make any payments. They did this so that they could put my loan in arrears and began foreclosure proceedings, as my home had ( and has today ) substantial equity and they wanted the home instead of my payments. 

After a full year of effort, the expense for three lawyers, and all the funds in my retirement account, I paid the " arrears '' of {$34000.00} in full to resolve. As soon as I was able, I refinanced my mortgage with another bank. I then discovered that Wells Fargo had put an additional {$100000.00} in " silent second '' mortgages on my loan and my payoff was {$100000.00} more than what was documented on their paperwork for my loan. Though I was appalled, I paid the extra amount in my new mortgage just so I wouldn't have to associate with Wells Fargo anymore. The foreclosure record has harmed my credit and the legal action remains the top listing anyone sees when they XXXX my name. This has been the most financially devastating situation I have ever experienced.

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 2023-08-12
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a loan with Hyundai Motor Finance Company and they have put incorrect information on my credit report. I've called multiple times and they still keep giving me the run around. Talking you can't talk to no body there about the problem over the phone. You have to send a letter to their P.O. in XXXX XXXX California and wait 2 months for them to get back to you about the problem. I had a XXXX XXXX  to call then to verify that according to my payment history the information they posted on my credit report is incorrect. But they wouldn't answer any questions concerning the matter. Which is causing me a problem with my home loan process. I wouldn't recommend XXXX XXXX XXXX  to anyone!

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 2023-08-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I consumer XXXX XXXX intitate a dispute with Equifax over 3 months ago. I have sent several letters to Equifax to dispute this fraudulent account on Equifax. I am forced to make a compliant view of the CFPB due to Equifax not understanding that a consumer is the only one that can validate the debt Also, I was not notified to see if I wanted these accounts on my credit report before placing these items on my credit report. I have the right to privacy under 15 USC 1681. These accounts are defaming my character which is a violation of 15 USC 1692g. This company called Equifax is violating my rights as a consumer by keeping this fraudulent account on my credit report. These accounts are XXXX XXXX  is a violation according to 15 usc 1681 a ( 2 ) ( b ) and XXXX XXXX is a violation according to 15 USC 1681a3 ( a ) ( b ) ( c ). IF these account are not removed I will follow the next steps of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer 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 2023-08-12
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company closed my account for using my boyfriends card on my account and when we showed all banking statements they still couldnt send me or my boy his money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: R & B Corporation of Virginia
State: VA
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: Investigation took more than 30 days

Complaint:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Lockhart, Morris & Montgomery Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency/attorney LOCKHART, MORRIS & MONT has put a hit on my credit report stating that i owe a collection from XX/XX/2013 WHich this is illegal and i have didputed this before and came off cause of ID theft. 

The balance states {$1400.00} and they keep reporting this still after ID theft and after 6 years. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation