BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, I opened a Lowe 's credit card through synchrony bank with a 0 % APR offer for 24 months for a vinyl flooring installation. I was told that I would have 0 % APR on purchases for 24 months, and that the interest rate would not then increase if I paid off the balance of {$3400.00} in 24 months which led me to accept the service contract. 

I made the arrangement to pay off the balance in full by the said 24 months by configuring an automated pay of {$150.00} starting from XX/XX/XXXX to ensure I adhere to the terms and conditions and utilize the 0 %. However, I noticed in XX/XX/XXXX that I was being charged the standard interest on that purchase instead of honoring the 0 % XXXX that I was offered. 

I immediately called customer service to inquire about this, and I was told that it was some form of error and I should have been charged the 0 % APR as per the contract. The customer agent assured me that she would make the adjustment and I should not see any additional interest charges in the future and the interest rate refund would be applied to the principal balance in 1-2 billing cycles. 

Based on the guidance I received from the customer agent, I waited for 1-2 billing cycles and followed up diligently with customer service but couldnt lead to a resolution as my principal balance was not adjusted with refund of interest charges charged from XX/XX/XXXX through XX/XX/XXXX. 

After multiple calls and spending a lot of time with customer service, in XX/XX/XXXX one of the customer service agents was able to help me and assured she was able to make adjustments on my interest rate refund request and was able to refund {$1100.00} that was charged from XX/XX/XXXX through XX/XX/XXXX. I should be seeing an amount of {$1100.00} reduced from my principal balance and should see that reflected in the next XXXX hours. The reference number given to me was # XXXX. 

To my disbelief, when I reviewed the account in 2 days, I could only see an adjustment of refund made for only 9 months ( XX/XX/XXXX through XX/XX/XXXX ) for an amount of $ XXXXinstead of the whole interest charges from XX/XX/XXXX through XX/XX/XXXX. I am still entitled for the refund of the remaining interest amount charged from XX/XX/XXXX through XX/XX/XXXX. 

I have made follow up call on XX/XX/XXXX with employee # XXXX and had requested to escalate this matter to the accounting department as I couldnt get a resolution from the customer service for the refund of the remaining interest charges and as I was told that the team couldnt go back beyond XX/XX/XXXX for refund issuance due to system limitations. 

I got a letter dated XX/XX/XXXX from the synchrony credit bureau specialist that they will not be able to remove any additional interest charges from the 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 monetary relief
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the XXXX XXXX. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX  XXXX XXXX XXXX XXXX my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX car loan. 
police report case XXXX and FTC reference 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 2023-02-09
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an investment account at Chase for several years, which was terminated by the bank when I changed my address to XXXX. Many times I have tried to upgrade my checking account to " sapphire '' and opening an investment account, most recently last XXXX. The internet program did not permit this, and when I called up they said they can not do this for someone with an overseas address. The banker said to supply a US address. I do not care to lie about my residence. This is quite frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$3000.00} DEPT OF ED/XXXX  XXXX Balance : {$5800.00} DEPT OF ED/XXXX  XXXX Balance : {$9300.00} DEPT OF ED/XXXX  XXXX Balance : {$10000.00} DEPT OF ED/XXXX  XXXX Balance : {$350.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$18000.00}

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, Hello, I would like to voice my complaints with Bank of America for flagging and closing my business account without any warning or attempt to communicate with me. 
For context, my family owns a small business dedicated to short-term rentals on the XXXX and XXXX platforms . At the beginning of XXXX, a customer contacted us through the XXXX platform, wanting to book 15 nights in one of the condos we manage. He explained that his company would take care of the payment and that they were sending a certified check by mail. 

This customer then gave us a tracking number, and on XX/XX/XXXX, we received the USPS package with the check. The check was then deposited via a Bank of America ATM since it was after the bank 's open hours. 

The next day, on XX/XX/XXXX, we attempted to access our online banking system, but our access was denied. Since this was unusual, we called Bank of America, and a representative informed us that the account had been closed due to an incident of fraud. Furthermore, the Bank of America representative stated that our company would not be able to open any other bank account with Bank of America due to the incident of fraud. I attempted to explain the situation, as this is a very clear case of mail fraud perpetrated against me and my business, but the representative could only respond, saying the account was closed due to the deposit of the fraudulent check and that there was nothing I could do. I asked if there could be a case open where I could explain and submit evidence of what happened, and they told me no. They transferred me from department to department to no avail. All they could say is that there was nothing that could be done. 

We were the victim of a mail fraud scam, and Bank of America marked our business account with an incident of fraud and outright closed the account without providing any form of help or warning us of the incident.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 I wrote to XXXX, Transunion and XXXX. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: FL
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 I wrote to XXXX, XXXX and Experian. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 information was misused and something is being reported without my consent this is negatively effecting my report. I sent in multiple letters to get removed BY LAW but yet I keep getting stall letters telling me the account is verified and updated i don't care about that I need it removed because by law your are messing up.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 Simple Bank Checking and Savings accounts which were managed by BBVA were transitioned to BBVA Checking and Saving accounts. Initially, BBVA sent instructions for how to complete transitioning your account to BBVA 's services. In this process, multiple system errors occurred with both the online banking webpage and the mobile banking app. Customer service was unavailable to answer calls when open and was unable to resolve the issue after the account was locked despite following steps detailed in BBVA 's instructions for transitioning the account. 

On XX/XX/2021, I learned that these issues were persisting and I had not heard any updates from BBVA via e-mail. Later I found that BBVA was providing updates on these issues via XXXX, but failed to reach out to account holders via e-mail addresses. When calling customer service on XX/XX/2021 extremely long holds and failure of customer service agents to address issues continues to mean I and others have been unable to access their bank accounts, transfer money, and make changes to accounts. These inabilities to make changes are likely to result in failed payments, missing funds, and unauthorized fees due to the inability to make changes to the account settings. The company, BBVA, continues to fail to address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Opportunity Financial, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Since XX/XX/2023, I have attempted to stop automatic payments from my checking account with my bank and the lender. The disregard created a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022

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 2023-09-12
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account openXXXX, XXXX XXXX XXXX XXXX original creditor Account is currently with XXXX XXXX XXXX XXXX I have sent a debt validation letter to this company and have not recieved a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint because my credit score has been negatively affected due to unauthorized credit inquiries. I never signed anything giving Citizens One Auto permission to run my credit.

My attempts to resolve this with Citizens One Auto have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO/DILLARD used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO/DILLARD reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-02-01
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I recieved an email offer ( as shown in the attachment ) which offers me {$400.00} after required activities. On XX/XX/XXXX, I went to a Regions bank branch opening a new checking account. During application I showed branch rep the email offer I had. I completed {$1000.00} deposit within 30 days. On XX/XX/XXXX, I haven't received the bonus so contacted the Regions customer service and ticket # XXXX was created to research on the issue. They promised to give a resolution within 5 business days. On XX/XX/XXXX, the XXXX timeline has passed but I haven't received any reponses.

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 2021-05-10
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation