BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I opened a XXXX XXXX credit line of {$1000.00} in XX/XX/2022. Approximately 6 months later my credit line was decreased to {$700.00} ( my balance at the time was between {$600.00} and {$700.00} ). I believed at the time it was due to a possible late payment. I recently went onto my account to schedule payments ( I usually schedule 2-3 months of bi-weekly payments ) and noticed my credit limit was decreased to {$400.00}, my available balance was {$52.00}. When I contacted Synchrony Bank, the representative told me it was decreased due to the credit checks they do every 6 months. Eventually, as I pay down my balance, they will continue to decrease my credit limit denying me access to use the card. I then asked if Synchrony Bank owned XXXX XXXX, she answered yes. This also happened with my XXXX XXXX XXXX which only had a {$300.00} limit at its highest. Then it went to {$200.00} as I made payments, then {$100.00}. I paid off my balance at one point and when I went to purchase something I was declined. When I contacted the number on my card they advised me it was due to my credit scores. 

Not only was I never notified in writing of these changes in my credit lines, I was also not notified of my XXXX XXXX card being closed altogether. These frequent credit checks are affecting my over all credit score ( not great, but I don't request things often in order to protect what it is ) and those credit checks stay active on my account for 2 years. 

I have a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and have never had issues with payments or credit line decreases. Its the opposite with them actually. They increase my limit without me even asking. As of today, XXXX shows XXXX ( up XXXX pts ) and XXXX XXXX ( up 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 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a {$13000.00} personal check received from my friend as a gift. The next day my bank ( Chase bank ) restricted my account and put a hold on that check. I called the customer service to see what its happening. The representative simply told me they can not lift the restriction until they could verify the maker of the check through their system. On XX/XX/XXXX my friend and I went to the chase branch to verify his check and being told they can not accept this type of verification. The only way to verify his identity is to find his phone number from their system. Unfortunately my friend just changed a new phone number and they couldnt find it. So we left Chase frustrated. The same night he tried to stop payment of this check with his bank ( XXXX  XXXX XXXX ). But his bank told him the check has already cashed by Chase bank and they cant stop any more. On the XXXX I went to Chase branch to seek help from the branch manager, she called many different departments inside the bank and even file a escalation on my behalf. Nothing works. Only to find out Later they might close my account and hold my {$13000.00} in their hand until they can verify my friend in their system. It just seems like there is no way to resolve the issue. There is nothing I or he can do. We even asked them to just return the money to where it was and they said no. I called them everyday to check the status but nothing changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: International Credit Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
on XX/XX/XXXX I Noticed the car was gone I Called The financing company and they told they took the car because they could not verify i had insurance, I told them yes i have full coverage, they told me to send the information. On XX/XX/2021 i switch insurance from XXXXXXXX XXXX to XXXX XXXX, but they never sent the information to the Financing Company. once they had the information, they told me i can get the car back, but they said i needed to pay for those fees which back than it was {$1700.00} plus storage fees. i said i am not going to pay for this when is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-05-13
Company: CHARLES SCHWAB CORPORATION, THE
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am filing a second complaint against Charles Schwab as the first one was not resolved as the company assured me it was. My social was used to wrongfully open three accounts through Charles Schwab. I have called and reported this more than five times and I was assured over and over that it was taken care of but the accounts were close that I would no longer receive communication yet here I am still receiving letters in the mail from them. Including today. First, I have massive concerns with their XXXX  procedure. the fact that someone could even open an account with such little data. Secondly, I have massive concerns that Ive been reporting fraud for a year now and its still not been resolved. Thirdly, I have asked the company to stop contacting me after I told them about this fraud yet they still continue to do so, I need this resolved. I never wan na be contacted by this company again yet I cant seem to get these accounts clothes that were open fraudulently. I have never and certainly now will never have an account with this company. I want every single account to close and I want to never hear from this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.

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 2023-09-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2023 I had my wallet stolen which contained my Apple XXXX XXXX. I called Apple, and was transferred to Goldman Sachs who told me that the card was already cancelled, and that I should request a replacement card on my XXXX. As I was traveling at the time, I did not have my XXXX with me, so I waited until I got home to request a replacement. 

On XX/XX/XXXX, I attempted to order a new card via the wallet app on my XXXX, but was unable to do so because the button to request a replacement did not exist. After contacting Apple support, I was told that the case was escalated and that I would hear back in XXXX days. 

On XX/XX/XXXX, I received an email from Apple stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support to check on the status of my request. They then told me that " We have documented your physical card inquiry, and our team will order you a new XXXX Apple Card. '' and that I would receive the card in XXXX days. 

On XX/XX/XXXX, after hearing nothing and having not receiving the card yet, I contacted support again to check on the status. I was then told that " have created an escalation case to get a Physical Card mailed out to you. Please be on the lookout for a confirmation email when the card has been officially shipped. '' On XX/XX/XXXX, I received another email stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support, who then scheduled a call back for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, after not receiving a call back from Goldman Sachs, I called Apple, who then transferred me 4 times, with the final person being a supervisor in the Goldman Sachs fraud department. They then informed me that there were XXXX existing requests for replacement cards, and that the only thing they could do was request another card be issued. 

At this point, I am not sure what to do in order to get a new card issued, and I have no confidence that Goldman Sachs is actually processing my requests for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-09-20
Company: Financial Network Recovery Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Financial Network Recovery, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is Jahne Greer. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.

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 2022-02-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter for a debt that is not mine and I do not know anything about. Was told could dispute electronically at resources.wakeassoc.com and signed up to do that only to see that there is no way to dispute electronically as they stated in their letter. They lied. 
The burden of proof is on them, they should show detail about what is owed as I am unaware of any debt other than the bill I pay monthly for a debt to the medical facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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 2021-10-21
Company: Resurgent Capital Services L.P.
State: NJ
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:
On XXXX XXXX XXXX added a collection account LVNV FUNDING LLC which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
LVNV FUNDING LLC never gave XXXX any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am still being contacted by XXXX XXXX, and I know it`s going to be the same response. He refuses to lower the monthly payment. He insists that wells Fargo Auto Finance was 'not present when the loan took place '. This still holds no water. Wells Fargo Auto Finance could see my credit score, and by looking at my banking records before I closed my checking account with wells Fargo. 
I have repeatedly told him that I did not receive the sales paperwork until two weeks after the deal was done. The car dealership also forged how much I make each month, along with how long I was employed, which was only one month with the healthcare agency. I highly suggest they either refinance this loan or lower the monthly payments as I am on XXXX. 
I have my award letter as well to show the judge that I didn`t make anywhere near the amount that was on the Loan Application. No Home health Aide makes {$4000.00} a month, and I can barely get by without working a lot of overtime to pay my monthly rent. I`ll be XXXX years old this month, and this, I feel is taking advantage of me not only as being XXXX, but as a 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