BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
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 following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX XXXX XXXXXXXX )

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 2018-07-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a medical bill last week to XXXX XXXX ( the only debt that I know of which I owe ). This week I started getting calls from another collection agency called Ability Recovery Services LLC. XXXX located in Pennsylvania. I tried calling them back this morning twice and the call will not go through. I called a friend right after to confirm that my cellular service was working, and I can confirm that it was, so I have to assume that Ability Recovery Services LLC is not taking inbound calls and / or is a scam.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
I was given a check drawn from an account at XXXX XXXX  XXXX on XX/XX/XXXX which I deposited in my Chase Bank account. 

In XX/XX/XXXXXXXX  the maker of the check contacted me and asked me if I had redeposited the check on XX/XX/XXXXXXXX  as the funds were removed from his account again.. I told him that I had not and provided him with copies of my bank statement to show that I had not received additional funds. 

On XX/XX/XXXX, Chase debited my account by the amount of the check in question with the following explanation : " Debit for {$930.00}, an item was processed more than one time. The item posted on XX/XX/XXXX, and again on XX/XX/XXXX. Our reference number XXXX, Check Number XXXX, Deposit Location Number XXXX '' When I queried this with Chase after many phone calls, visits to the branch and complaints, I was advised that even though Chase knew I did not receive the funds twiceXXXX XXXX XXXX XXXXXXXX told them to remove the funds from my account because the check had been deposited twice and Chase had no choice but to do what XXXX XXXX XXXXXXXX said . They further advised that I should contact the maker of the check to tell him to file a complaint to XXXX XXXX XXXXXXXX for an unauthorised presentation of the check XX/XX/XXXX and to verify that I was not the recipient of the funds of the second presentation. 

The maker kindly spent an hour and a half on the phone with XXXX  XXXX XXXX who told him that they could not do anything and I should contact Chase to get my money back. 

I am a victim of bank fraud and both banks want to pass the buck to each other. 

I am enclosing copies of the check in question, bank statement showing the deposit of the check in XXXX, statement showing the second deposit in XXXX did not go into my account, and a statement showing teh debit by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. 

As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX Co - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX - Opened XXXXXXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 1 5 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2021-09-03
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: Personal information incorrect

Complaint:
Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reported multiple accounts on my credit report that didn't belong to me. I wasn't updated about investigation.

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 2019-02-05
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.

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 2021-09-03
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: Problem with personal statement of dispute

Complaint:
I moved to an luxury apartment in XXXX. This apartment complex had an agreement with XXXX  for all residents so I could not continue service with XXXX. I contacted XXXX and after receiving a bill for early termination of {$160.00}. After some back and forth, XXXX sent me an email dated XX/XX/XXXX at XXXX XXXX  stating they would credit my account for the early termination fee ( which I have submitted to all parties, Experian, XXXX and XXXX XXXX who charged me {$340.00} deposit because of XXXX  negative report on Experian. On XX/XX/XXXX, I received an email from Experian that they closed my account stating the creditor disagrees. There is nothing to disagree with as I have DOCUMENTATION ; there was no other information or explanation. I have excellent credit and never checked Experian so was unaware of XXXX  negative reports for the past year until I moved to Florida and applied for electric services.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
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 2023-01-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance 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 name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX has violated my rights. 
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 2018-07-17
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This morning XX/XX/2018 at XXXX I received an email notification that my loan payment would be changing, an increase. Im set up with auto draft. Well 22 minutes later, at XXXX, I received my email for receipt of payment reflecting of the increase. I was charged {$540.00} instead of the normal {$390.00} without a real notice. They said changes would reflect in XX/XX/XXXX but they started today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was referred to your office by the Maryland Attorney General 's office. I made a purchase from XXXX XXXX XXXX, which uses Synchrony Bank for their loans on XX/XX/2022. My main reason for making this purchase was because of XXXX XXXX XXXX 12-month No Interest Charge offer. XXXX XXXX XXXX offered me a XXXX limit credit card from Synchrony bank, after checking my credit and their agent explained that that is how their process worked. My amount to be financed was {$4700.00} after I had paid XXXX XXXX XXXX {$1000.00} by check on the day of my purchase. I have paid my minimum payment to Synchrony Bank on time since then, except for XXXX, when my payment was due of XXXX, which I paid on XXXX, due to forgetfulness. At that time, after a close look at my account details, I realized that I have been billed interest charges all along although I been supposedly given a promotion of no interest charges for a year. This has added approximately {$1000.00} to my balance and is negatively impacting my credit history that has always been good. 
I am therefore asking that you please intervene and have Synchrony Bank remove the interest charges from my balance. I am doing my best to pay my actual balance with by XXXX, thereby taking advantage of the promotion that I was given. I have contacted Synchrony Bank and XXXXXXXX XXXX XXXXXXXX and they have continued to ignore my requests, although they are fully aware of the validity of my claims. I have my receipts and other documents as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Resource Management is reporting a collection that doesn't belong to me to XXXX and XXXX. I have disputed the collection with XXXX and XXXX and both credit bureaus have failed to provide evidence about this account or to remove this account from my credit report. My initial dispute was on XX/XX/2023, nothing has changed and the collection remains in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-06-02
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, right before XXXX day weekend, I received my social security check. While paying my normal bills I noticed a couple of charges I did not make. I phoned customer service about it and ask about these charges. As I soon as a said the word fraudulent the customer service agent shut my account down with out my knowledge. At that point I went ballistic. Then transferred to a supervisor. The XXXX thinks A virtual credit/debit card is o.k. Well its XXXX day weekend and I have no cash. No laundry money, running out of meds and no cash. After contacting them again they said contact the companies and use the virtual card. I did this and called the company that made the withdraw. they were very accommodating and would return the funds plus some I missed. They tried the original card and the virtual card but nothing. I called the great and glorious mobile vibe. I called the companies back again and they responded they had tried a few times and that they could not return the funds. Again ; I called customer service which started quoting policy and tried to spin it back on me try to make my fault because some XXXX arbitrarily canceled my card. If I had been given a half hour I would have been able to draw cash out. I've repeated and repeated this situation at to " customer service '' at least ten times in the past five days from the XXXX to The Present. to this day : no card, no restitution, and it looks like I'm out $ XXXX is definitely public shaming time for you and colleges. Oh, by the way, I cant believe you charged me XXXX dollars.

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