BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act XXXX XXXX the following instutions : XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went into VCF in XXXX of XXXX. I was asked to apply for a VCF ( sychrony ) store credit card so that I could recieve 36 months no interest on my purchases. I apllied for the card and was approved. I made 2 purchases. In XX/XX/XXXX I recieved a statement with interest added onto my bill. I called my local store. I was told that I had to contact costumer care. I contacted customer care. I did a complaint and dispute. Did not get any results. XX/XX/XXXX more interest charges were added. I called synchrony bank. I filed another complaint and dispute with them regarding being given misleading information from the sales rep in the store. I was told that the reson why I didnt not receive 36 months no interest on my purchases was because the items that I purchased were on sale. There were no signs that stated that sale items were excluded from the 36 months no interest promotion. I have not received any communication back from this company. I was told I would recieve an update on my formal complaint and dispute via email and message center in the app. I have not received anything but more interest charges and a high balance reported to the credit bureaus.

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 2023-09-21
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2019-02-08
Company: SYNCHRONY FINANCIAL
State: CT
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:
Dear Synchrony/XXXX Re : acc # XXXX To XXXX XXXX I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and XXXX credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.

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 2023-10-23
Company: WELLS FARGO & COMPANY
State: IL
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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : WELLS FARGO FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO FINANCIAL customer service representative.

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 2023-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has been holding my credit file XXXX. They are demanding for me to agree to a mobile identity verification process. They are demanding that I give them a photo of me in order to dispute incorrect info that is listed in my account. I have also been locked out of my online account for about a year now. I have called and written letters and they are refusing to release allow me to dispute any credit information. Demanding a mobile verification to allow me to dispute my credit file is a violation of my privacy and consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I bought two XXXX  from the XXXX XXXX XXXX XXXX  store. I got charged to my XXXX credit card for two XXXX  and get the receipt right away. This is how business should be done. 

I bought another two XXXX  at the XXXX, MN XXXX store. I got charged for FOUR XXXX  on my Apple Card AND without a receipt. 
AND later on there's another illegal charge on the Apple Card. Please see attached screenshots. 

XXXX representative contacted me after a complain was file with the CFPB ( XXXX ) sent me a wrong receipt and claim there's neither double charges nor illegal charges. The receipt shows the purchase of two XXXX  ( with wrong color ) but the charge on the Apple Card was double - four XXXX. 
If there's no double charges and illegal charges why was money taken from my bank account? XXXX  XXXX XXXX can provide evidence of this money taken out from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a Collections Notice from Convergent Outsourcing dated XX/XX/XXXX, to pay {$210.00} within 30 days or be reported as delinquent to the credit bureaus ( copy attached ). This was the result of my complaint about XXXX 's billing practices that I had filed with the FCC on XX/XX/XXXX.

On XX/XX/XXXX, I called Convergent Outsourcing and told the account representative XXXX that I had been in the process of disputing XXXX 's actions with the FCC. She told me she would put the Collections Notice " In Dispute ''. This will give me extra time to settle this matter I had complained about the fact that XXXX had suddenly stopped billing me in XX/XX/XXXX. 
From XX/XX/XXXXuntil XX/XX/XXXX, I had received bills by mail. After that, I received a monthly SMS text bill through XX/XX/XXXX. As of XX/XX/XXXX, I did not receive any bills. In XX/XX/XXXX, I called XXXX and talked to XXXX, who told me that I would be billed by email. 
My inbox remained empty. On XX/XX/XXXX, I paid XXXX {$69.00}. On XX/XX/XXXX, I started getting loud, abusive robocalls from XXXX dunning me for money. They were also hijacking my voicemails, then they cancelled my phone service. 

After the FCC served XXXX with my complaint, Mr. XXXX emailed me and asked to talk to me. I made a Call Report, attached. 

I have documented the communications between XXXX and myself in the attachments file. 
1 ) Collections Notice 2 ) Call Report XX/XX/XXXX 3 ) XXXX letter 4 ) My rebuttal, 1st letter 5 ) Call Report XX/XX/XXXX 6 ) XXXX letter, p. 1 7 )  XXXX letter, p2 8 ) My rebuttal, 2nd letter

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 2020-10-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank-XXXX  Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of Comenity Bank, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX  balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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, my name is XXXX XXXX, and I am a XXXX  XXXX  living in XXXX XXXX, IL. I have a credit card with Bank of America, and it's a joint account with my husband, XXXX XXXX, who is a XXXX veteran. Starting XX/XX/2022, I started experiencing fraud on this account for more than XXXX dollars. I called the bank and started a dispute, but they only gave me a small portion of the money back, and still haven't finished the investigation after six months, but they took the temporary credits away and started charging me interest while this dispute was still ongoing. I spent more than XXXX hours and called them more than 20 times. Everyone gave me some different answers, but no one gave me a clear answer why. Furthermore, I never received any notifications from BOA of what actions they were taking. I was totally in the dark. I feel extremely disappointed with how we are being treated as seniors who are victims of fraud attacks. I hope the government can help us get our money back.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to the Chase Bank website this morning to remit an ACH payment to a vendor. I set up the ACH payment for {$2400.00} and clicked the submit button. Rather than respond almost instantly, the transaction froze for a few seconds, and I ultimately received a message on the website indicating the ACH was successful.

Utilizing my same chase account as above, I went to remit another transaction on the Chase bank website, but my transaction did not go through, with an error message of " insufficient funds ''. I then checked the account itself and saw that Chase had submitted the ACH twice! At first, I was not concerned as the Activities Page of the website showed both the original and duplicate ACH payments ; however, the duplicate Payment showed as " Pending ''. It was my assumption that Chase had caught the error. I then called Chase bank. I spoke with at least four different people who all stated the same thing ; that is, " We can't get the money back, you have to contact the vendor ''. Even when reminded that I did not submit the duplicate Payment and same was either a technical error on behalf of the bank or otherwise was not authorized by the account holder. In short, Chase Bank 's position in these cases is that even if it is their error that caused the duplicate ACH, even if it takes weeks to get the funds returned, Chase bank has XXXX liability for the error nor cause to reimburse/Advance us the funds- they sent in error- pending receipt of the duplicate payment being returned by the vendor. This has caused a major disruption to our cash flow, and ability to professionally and adequately operate our business. The Last call at Chase bank was Call Record XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681. 


1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Transunion and XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation

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 2020-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am not able to obtain a free credit report from Equifax and the mortgage program Im using also has not be able to obtain a report either. Ive sent a certified letter to Equifax with a copy of my license, SSN card and a copy of a utility Bill and Im still unable to get a copy of the free report. I am however able to get a copy when I pay for their reporting services. Ive also call and spoken with Equifax, customer service and they can give no explanation as to why Im unable to obtain my report but they did offer me to use their reporting service. This is hindering my ability to purchase a house or anything I have no idea if the reporting is even accurate and I am not able to get a report without paying for the report. It not also not available on any of the few reporting services and states it has not been updated since XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Chime Financial Inc
State: TX
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:
On Saturday Morning XX/XX/2023 I'd Ordered a Set Time of XXXX XXXX - XXXX XXXX XXXX Deliveries to my Veterans Unit a TV plus Groceries totalling {$470.00} as Deducted from my CHIME CREDIT BUILDERS ACCOUNT as a DESIRED CUSTOMER. WHEREAS, XXXX texted claiming now they're SHIPPING my 55 '' TV approx. XXXX XXXX. I immediately said NO to the SHIPMENT. I immediately called XXXX to CANCEL the ENTIRE ORDER with CUSTOMER RELATIONS. NOW, the XXXX Cancellation Cancelled the TV, but the XXXX Delivery Driver was yet in route to now stating on XXXX {$24.00} Groceries which upon my return to my Unit was sitting on the ground Openly in this HIGHLY OCCUPIED COMPLEX unattended! Not good! I summoned CHIME by Electronically and on CHIME APP a CLAIM for {$470.00} that same Day, XX/XX/2023. FILE # UNKNOWN and due to it being taken down after PENDING until Friday, XX/XX/2023 and NOW PENDING an additional 7 - 10 Days my needed REFUND of {$440.00} which sits as ( Credit ) - {$440.00} and a XXXX Balance in my Accounts unable to do anything for my BIRTHDAY which was Saturday, XX/XX/2023 nor get a TV as a Birthday Present to myself after spending 5 Years of Birthdays behind XXXX! And, too in doing so the VA is Investigating the PREVIOUS XXXX Delivery of a " KNOCK OFF '' XXXX 55 '' TV from XXXX Purchase IS why I did NOT want another TV SHIPPED by XXXX. Therefore, after requesting CHIME to call me and during that call I'd inquired about both my CREDIT of {$440.00} and the OUTCOME of my {$470.00} PENDING CLAIM TO NO AVAIL! TOLD there d I es NOT exist any such CLAIM, but a CLAIM for {$24.00} and trying to get me to adhere for an added CLAIM NOW for my OVERDUE REFUND of {$440.00} for a NEW CLAIM for an ADDITIONAL 7 - 10 Days totalling in excess of 2 Weeks as I'm a Senior XXXX YO and XXXX Veteran on XXXX XXXX and this is nearly HALF of THAT Monthly Payments for XXXX ... and I'm LEFT DISMAYED after ALL these years of looking forward to being XXXX! NOW, CHIME Claims a OPEN CLAIM PENDING THEIR INVESTIGATION for the XXXX Purchase of {$24.00} for UP TO 30 Days. What above my money DUE? A CHIME Supervisor now claims " CANCELLATION OCCURRED BEFORE SETTLEMENT. '' I exclaimed, WHAT? CHIME Supervisor states it will take up to an additional 10 Days for PENDING to DROP. My question IS how did CHIME et. al SETTLE the {$24.00} XXXX purchases out of the {$470.00} CLAIM and NOT REFUND MY {$440.00}? We're speaking of my ENTITLEMENT XXXX PENSION here. Why are they mistreating me and causing me MUCH DISTRESS as I SUFFER from XXXX and I have NO other means of SUPPORT at these immediate times with 100+ degrees weather. Who can HELP me? I need HELP with these XXXX folk!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation