BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: MD
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:
there are two inquiries on my report that i never gave premission XXXX and Syncb/Amazon plcc please remove these off of my report asap

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 2021-05-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
There are two XXXX XXXX report the oldest one was mine I never opened another one in XXXX that is fraudulent also I was I. Touch about the Macys charge on my report I do not have a Macys charge someone must have had my info and opened it I had an argument with Macys about this last year and its still on my report. My XXXX XXXX  accounts Im on a payment plan none of these credit reports are right

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/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 2022-02-28
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Re : XXXX Venmo provides a toll free number but the call tree will not connect to any human. Emailing support generates a request to call the dead end toll free number or chat which can not work when the account is frozen. Attempts to contact support via XXXX and XXXX have been fruitless for over 24 hours. I need direct communication with Venmo support to address the issues with this account. Toll free and chat do not work at all. XXXX and XXXX support feeds for Venmo are likewise useless and unresponsive. Venmo has my phone number and I have request live phone support given they have crippled all other means of communication if information transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with coinbase www.coinbase.com and when I wanted to withdraw my money then their app says account under review, I tried to contact them via different ways both answer yet, this has been like this for over 3 months already, I even told a friend that lives in XXXX XXXX to go to their office and there is nothing there. 
Please help me to recover my money, it's a fraud, there are forums with other people in the same situation. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called EdFinancial and requested a refund for student loan payment on XX/XX/2022, the representative assured me that my refund request was on record. I called on XX/XX/2022 to check the status of my refund request and was told that no refund was requested on my behalf. They didnt provide an explanation at all and dismissed the issue so I requested a refund a second time on XX/XX/2022. I lost 2 weeks of time because they did not process my request on time. I asked for an inquiry ID on XX/XX/2022 but they refused to provide me one, I also asked for an estimate on my refund and they said it 60-90 days. I called multiple times for status updates and I get different timelines some up to 6 months. This is not acceptable and they offer no guidance or provide truly helpful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have my HELOC on auto draft with Sandy Spring Bank in Maryland formerly known as XXXX XXXX I now bank with SSB, business and personal. I also have a mortgage and HELOC with them as well. I was with XXXX XXXX before the merger. In XXXX of XXXX XXXX bought XXXX XXXX. During the two banks merger, I had numerous payments on eft ( at XXXX XXXX  ) that did not transfer over. Nobody called or let me know from SSB that they had an internal problem and eft 's were not going through. I found out when creditors called and told me I was late. I explained I was on eft and was able to rectify the problems quick and without penalty 's on my credit report. When I called SSB they admitted they had eft problems. This takes us to my case : I had my HELOC on auto draft with XXXX ( now Sandy Spring Bank ). Sometime in XXXX SSB removed my auto draft without letting me know. This caused my auto draft payments to not go through and create a 30 day late payment. SSB never contacted me all the way through XX/XX/XXXX until I got a notice from my credit agency that I was 30 day late. I had to reach out to SSB and ask what happened. They didn't know and couldn't explain. I then wrote a letter explaining this was a misunderstanding and polity asked to remove it. I was trying to be diplomatic and not point blame at SSB since we don't have a good prior relationship. ( I will explain in the next paragraph ). My payment amount is {$570.00} per month. It is an internal transfer or auto draft within SSB. Between all my bank accounts with SSB there was plenty of money to pay the payment. SSB is nutritious for calling when something is wrong. Nobody called, no letters, nothing explaining auto draft has been removed still to this day. I was completely blindsided by this almost 3 months later. Before this incident I had 0 late payments on my credit and a XXXX score. Now it is XXXX. 

I'd also like to note that I had significant problems with SSB prior to the banks merging. This dates back to XXXX. My business banker played a lot of games with my accounts. At one point SSB settled out of court with me for some unscrupulous activates involving posting debits before credits. Not long after the settlement my business banker rejected my payroll in retaliation. They had never done that until the settlement. For that reason I had left SSB a few years ago, and moved all my banking to XXXX XXXX. To my dismay, SSB ended up buying XXXX XXXX  and I was right back where I started. Within 90 days, my current case happens and I fell once again into this retaliation trap from that same person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: MA
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:
I used my Chase credit card to purchase a large food order at a drive through restaurant while on a long distance drive. About an hour later, we opened the bags to find that it was the wrong order and was significantly less food than what we had paid for. I called the restaurant and the manger told me I would have to go back ; I explained I was already an hour away and I was not going to be in that area again. So I tried to dispute the charge on Chase.com. I kept getting errors and messages to call Chase Customer Service. I called Chase Customer Service and was told by the rep that she had filed the dispute and that I would get a message to confirm. I never received the message and no dispute was filed. The app still won't let me dispute the charge ( error message ). I have been leaving messages ( via mobile ) for about a month, with no replies from Chase other than " we will get back to you ''. It is ridiculous. I will be closing all of my accounts with Chase but I want this charge removed before I do so. This is absolutely terrible customer service and I will never do business with Chase again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I make minimum payment .They do charge my account 2 fees and some sneak in a late fee of $ XXXX {$27.00} late fee XXXX I'm on time. I was charged {$19.00} on purchases and {$22.00} on cash advances. .Thats over {$43.00} a month always it used to be {$60.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I tried to log in and make a payment on my credit card. I was given an error message when I attempted to log in. It stated that the website was currently unavailable and to try again after XXXX XXXX est. I was able to make a payment the following day and subsequently called to have the late fee removed and was told late fees are not removed. I know this is false because I have had a late fee removed in XXXX of XXXX. Generally you are allowed one every calendar year. Instead of attempting to refund the late fee, supervisor XXXX XXXX employee id # XXXX XXXX argued with me stating the website was never down and that customer service is XXXX XXXX which is false. I was unable to use the pay as guest feature because I do not have a physical card, therefore I can not enter a card number. I also receive XXXX statements which do not list your full card number. You also need to log in to view said statements. Again the site was down and would not allow me to log in. I would like the {$39.00} fee for my {$42.00} payment to be removed. My account is and has been in good standing.

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 2021-05-24
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XXXX XXXX received alert from XXXX XXXX of new account. After I noticed a drop in credit score I was looking for the account. The account was speedy cash an was started in XX/XX/2021. I never applied for loan or received funds. After I put freeze on my credit I contacted speedy cash. They told me a loan was taken but banking account was different. The banking information didn't match I made them aware of my bank of 14 years. They advised me to file a report with my local police. I went to my local police. They informed me I need to file a report with FTC they don't create report for identity theft. I inform speedy cash they sent me affidavit to get notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: WELLS FARGO & COMPANY
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-16
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I sent a request for my credit report and my score to Experian i sent all documents to tell who I was.There responds was they sent me part of the report the credit score was missing from the report.Then started paying fro the monitoring service to see what was on the report.Then there was information on the report that i disputed and other information that was on the report but could not dispute that was still disputable.Then I wrote to them again to get my score by hard copy they sent the same information again that I already had I wanted my score and the report and information remove from my report that was incorrect i have sent two letters to them about getting my score and item removed for my report.I have made several attempts to get this mater taken care of.Information that is incorrect and missing scores by mail.I have a right to have that information for my own use.Then i think they are messing with my score i check the others scores from XXXX XXXX and XXXX and there is a big difference in those scores and i mean a big difference.I want this problem taken care of.

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 2021-05-23
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA acquired Simple and transferred accounts on XX/XX/2021. I had 3 accounts with Simple and through today, XX/XX/XXXX, I still have not been able to gain access to my account. 

BBVA very publicly failed to transfer accounts : https : XXXX I have tried multiple times to get access to my accounts. Today, XX/XX/XXXX, BBVA emailed me about how they want to gain my trust : BBVA wants to build your confidence in us. 

We know some of you have had issues with your login and we apologize for your experience. Thats why, for a limited time, we are waiving many fees. In this email, we'll show you how to avoid certain fees after the waivers expire. 

I called the number they provided and the BBVA representative said that all computer systems are down and they are unable to access any account information. How is this level of incompetence allowed at a regulated institution? 

My confidence in them is destroyed. I will be leaving as soon as possible. Good luck to XXXX on their proposed acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}

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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
After TransUinon had deleted a inaccurate late notice from XXXX XXXX XXXX for XX/XX/2020 TransUinon reinstated the inaccurate late notice without giving me the 5 day notice before reinstating as required by the FCRA. This is a violation of the Fair Credit Reporting Act. This late notice for XXXX is inaccurate.

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 2021-03-15
Company: National Medical Administrators, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are these deals that pop up in emails or ads asking you to fill out a survey and then you choose your free product. Well a lot of ppl such as myself that are targeted for their SSD /SSDI bcuz of our health problems. And XXXX XXXX  is utilized for pain. Well, the outfit mails you the supposedly free product of XXXX oil, which you of course enter your personal information and your bankcard for the postage. Then these ppl try to take an amount of {$110.00} from your said bank account, which most of us contest with our banks, as well as contacting this XXXX XXXX XXXX that refunds you the money yet wants you to mail back the supposedly free bottle of bogus oil. And XXXX months later then give this supposed debt to the collection company titled National Medical Administration that then begins harrassment of your person for this FAKE DEBT FOR FAKE XXXX XXXX 
These people are working under the XXXX adjective in order to pose as XXXX personnel in an attempt to collect on a supposed debt of XXXX XXXX  that more than likely you the consumer received for filling out a survey. You the consumer probably gave your personal information for postal reasons in order to get your supposedly free bottle of XXXX XXXX, which by the way is nothing but COUNTERFEITED XXXX XXXX. Then about XXXX months later they will attempt to recharge your bank card used for postage previously in the amount of {$110.00}. I was given the refund yet they attempt to get you to mail back to their fraudulent organization the " free 'XXXX  ' XXXX oil, '' and threaten that it is worth much more. Yet they sent it to you as a free product go figure. Then in about XXXX  months you get their fraudulent outfit contacting you as they did me today in an attempt to collect on their bogus XXXX oil XXXX! Might I remind my fellow consumers that in order to garnish your wages they MUST TAKE YOU THE CONSUMER TO DEBT COLLECTIONS COURT WHERE YOU THE CONSUMER MAY THEN CONTEST THE VALIDITY OF THE DEBT AND/OR COUNTERSUE FOR DAMAGES CAUSED BY THEIR PRODUCT, WHICH AS YOU WILL SEE IN THE PHOTO BELOW WHERE THEIR CBD OIL CAUSED ME PERSONAL INJURY. THIS COMPANY IS FRAUDULENT AND I CAN NOT EVEN BELIEVE THAT THE BETTER BUSINESS BUREAU IS ALLOWING THEIR " NATIONAL MEDICAL ADMINSTRATION '' OUTFIT TO DENOUNCE WHAT USED TO BE AN ORGANIZATION FOR THE BENEFIT OF US THE CONSUMERS. IT'S SICK, PLAIN SICKLY! THIS FRAUDULENT OUTFIT TARGETS THE XXXX  AND THE XXXX AS I AM BOTH!!! YOU ARE MADE TO THINK YOU ARE GETTING SOMETHING TO IMPROVE YOUR HEALTH BUT ARE ONLY GETTING SCAMMED BIG TIME!!!! SHOULD THEY CONTACT ME AGAIN THROUGH PHONE, EMAIL, TEXT, OR MAIL, I WILL THEN SUE FOR HARRASSMENT, AS WELL AS SUE FOR THE DAMAGES CAUSED ME BY THEIR COUNTERFEIT " XXXX '' XXXX!!! 
XXXX XXXX XXXX

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