BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello Sir, I have purchased the hardwood flooring from LL FLOORING with 0 % financing offer in XXXX and it was financed by SYNCHRONY BANK with XXXX % interest for 24 month. I have been regularly paying the due payments without any missed payments since it was financed. SYNCHRONY BANK have not notified me via mail about the payments or ending terms. Also, when I asked about the statements from the beginning to see how much total I have paid, they have refused to provide the Year XXXX statement. But instead they have charged the 29 % interest for all 24 months + 3 month on top. I have called them many times for paying the balance amount {$3400.00} but they have added the interest {$4300.00} on top of that and asked me to pay {$7400.00}. Also, without my consent they were keep charging interest and deducting from my checking account monthly till the date XX/XX/XXXX. To avoid the additional interest they didn't left me any option option but I ended up paying the balance + interest + interest which is {$7400.00}.. 

Per XXXX statement the balance was : Balance : {$3400.00} +/- Credits, Fees & Adjustments ( net ) : {$120.00} +/- Interest Charge ( net ) : {$4300.00} They have increased the Total balance + 29 % interest for XXXX month = {$7700.00} as of XXXX I was supposed to pay balance amount {$3400.00} after all the monthly payments those were made by me. But Balance as of XXXX showed as {$7400.00}. 

I would like to request for investigate the Credit Card company SYNCHRONY BANK 's bad practices and not informing consumer when the major terms ends. We had a no clue about this much big charges in sudden. If I was made aware by the bank 's via notice/letter, I could have made the final payment on time but they didn't give me any chance. 

Hopefully, you can resolve this matter and investigate the interest charges and why not informing customers by sending the letter via mail. 

With Regards 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 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone sent me a link and got into my bank of America account and transfered out {$1600.00} into there account i called bank of America to try to stop the transfer they said they couldn't and just filed the dispute for me instead of stoping the transfer or reverseing it 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 explanation
Consumer complaint received 2023-12-15
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to this company XXXX, XXXXXXXX  and requesting a hardship due to my finances while unemployed. I requested them to allow me to settle my account balance for a lesser amount to no avail. I asked for a settlement. I then received an email that stated the below. On XX/XX/XXXX  I called them to accept the offer thinking the payments could be broken down, and they stated no that the entire offer amount had to be paid by XX/XX/. Due to my hardship I was unable to afford that. I need assistance getting them to allow me to settle and close this account asap. They have added alot of additional fees to my balance owed as well. Thank you! 

We know times are hard, and we want to help! You have been selected to reduce your debt by calling XXXX and accepting this settlement offer. This offer saves you {$540.00} by settling the full {$1000.00} balance with a one-time payment of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Continental Finance Company, LLC
State: VA
Product: Credit 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 contacted the credit card company and was issued a new card but havent been adjusted for these charges that I didnt make. 
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 2023-11-14
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have spoken with someone at the rocket mortgage about removing my PMI they said that FHA requires the PMI but I spoke with someone at FHA and they said that's not true they do the MIP so rocket mortgage is lying to me about certain things and that not willing to remove the PMI for whatever reasons and it's very confusing and I'm not understanding why so I need some help here I've never been late on my payments at all always on time and my value of my house has exceeded the amount of what the house is worth and they have that as well. It's making it very hard for me to make my payments it's going to be so bad to where I will lose my home if this does not be removed I do not want to lose my home I do not have that time to lose my home so I need some help to have the PMI removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.

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 2022-06-01
Company: Chime Financial 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: Account information incorrect

Complaint:
I have opened a charge account with " Chim Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. 

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above.

this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that Chime bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I currently am still being forced to pay on a Lemon Car that was sold to me from XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX. My car was financed through a loan vendor called Western Funding Inc. I payed a down payment of {$1900.00} and Im currently paying {$200.00} to pay off my car. Now the dealership that I purchased the car from did not inform me that the car will practically break down in two months due to the car having built in sludge in the engine. My car did come with a 2 year warranty but is practically useless due to the fact my car is broken down because of built up sludge in my engine which caused a whole in my engine. I was informed by my Warranty company XXXX XXXX that due to my car being caused to break down from Sludge it is not repairable by the warranty therefore I would have to come out of {$6000.00} just to get my engine fixed. Mind you the car XXXX  XXXX XXXX was sold to me with the pay off balance being {$6000.00}. Now my issue is, Im stuck paying on a Car note and paying back a loan for a car thats not drivable, due to lack of professionalism and trust from XXXX XXXX XXXX. I dont want to repo my car as that will damage my credit. The reason I purchased a car was to build my credit, made all my payment on time. I need answers on the best way to resolve this. I cant trade in my car, because XXXX XXXX XXXX says they no longer do trade ins. Ive contacted everybody including my warranty, dealership, and Funding of the bank. Nobody is really giving me an reason. Very stressful knowing my credit is on the line.

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I withdraw a {$600.00} cash from Chase ATM from my savings on XX/XX/23 one time. On next day, I checked my transactions on my Chase mobile that shows a duplicate transaction was made.

I filed a claim thru Chase and there was a decision that there was no error on the ATM so they couldnt reserve the duplicate transaction.

I was not very happy and furious about the decision. So I contacted them again explaining that where for me to ask and help to get my money back. They kept telling me there is. Nothing I can do.

I understand that their investigation found no error and so on and they only followed their protocol. But me as consumer, I lost {$600.00} and no one is responsible for this.

Thats why I am here to file a report for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Have called XXXX different phone numbers trying to cancel my credit card. There are no options on the automated system to cancel and no options to speak to a representative. I took off work yesterday and lost time to visit a local Chase branch. I was given the number XXXX and told to hit XXXX #. I did and automated response was this is an invalid response. Im really tired and frustrated wasting my time trying to cancel this card due to poor customer service and the inability to speak to a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant repeated calls everyday. Wont tell me who they are or the original creditor is. Harassing me with non stop phone calls

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several 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 ; XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: AR
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 XX/XX/XXXX I disputed an inaccurate account with Experian credit, Bureau,, the account was XXXX XXXX XXXX, # XXXXin XX/XX/XXXX they replied back saying the account was verified. onXX/XX/XXXX I sent Experian a certified letter asking for they METHOD OF VERFICATION, ,i am a  consumer and I have rights to see and know how they verified the alleged account,, I have copies of the certified mail receipt and I enclosed the letter I sent to Experian on XX/XX/XXXX, they received the certified letter on XX/XX/XXXX On XX/XX/XXXX Experian sent a notification to me saying they have completed the investigation on the XXXX XXXX Account # XXXXsayng it was verified, I am a consumer and I have rights and its not fair they Experian can investigate the account and not send me what I requested on XX/XX/XXXX.. I have a copy of the letter I sent to Experian asking for the METHOD OF VERFICATION, THEY HAVE VIOLATED MY RIGHTS AND REFUSED TO SEND ME THE METHOD OF VERFICATION TO ME AS I ASKED,,, THIS IS NOT RIGHT FOR THEM TO NOT SEND ME THE INFORMATION I ASKED FOR, EXPERIAN NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE,,,, I HAVE RIGHTS TO SEE THE PROCEDURES OF THE METHOD OF VERFICATION ... .IT IS AGAINST THE LAW AND I AM GOING TO FILE A SMALL CLAIMS IF THIS ACCOUNT IS NOT REMOVED FROM MY FILE,,, EXPERIAN HAVE VIOLATED MY RIGHTS,,, I AM ENTILTED TO SEE THE METHOD OF VERFICATION ... THEY ALREADY HAVE FAILED TO SEND ME THE PROOF OF ORIGINAL CONTRACT WITH THE ACCOUNT THIS IS MY LAST LETTER ASKING THIS ACCOUNT NEEDS TO BE REMOVED,,, I AM GOING TO MY COURT HOUSE AND FILE A SMALL CLAIMS FOR THE NON-COMPLIACE WITH EXPERIAN,,,,

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 2022-12-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized there are remaining information were reported as erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$860.00}

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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

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 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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 recently received my credit report and noticed these fraudulent accounts that are not mine and that I did not sign up for.

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 2022-09-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a Chime account with around {$200.00} in it. I had a negative balance on my Credit Union checking account and used my Chime account to transfer funds to bring it out of negative balance. On XX/XX/2022 i sent {$40.00} from my chime checking account to my Credit Union checking account to bring it out of negative balance. My bank declined the transaction because I was suppose to send the money to my savings account instead of my checking to remove the negative balance. Chime suspended my account because my bank declined the mistake i made. When I contacted Chime they asked for documents to prove any suspicious activity. After giving them the documents they never unsuspended my account. I contacted them again just for them to tell me to send the same documents again. After the second time I got the same repeat email about sending the same documents. I call Chime a few times only to be told they cant do anything. I asked them to close my account and send me my money by check and they told me they cant until i send the same documents again. Chime is sending people in circle just to keep people money and it seems like they are using this money for something else maybe investing or something illegal and thats why they keep people money without returning or until they can pay you back it is a shame these companies are allowed to operate like this

Company response to consumer: Closed with explanation