BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Chime Financial Inc
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am the victim of identity theft, my debit card was used to make unauthorized online transactions, to XXXX XXXX. Dates of unauthorized transactions - XXXX, XXXX, and XXXX. XXXX = XXXX transactions for {$500.00}, totaling {$1500.00}. XXXX = XXXX transactions for {$1000.00}, totaling {$3000.00}. XXXX = 3 transactions, totaling {$4100.00}. All transactions total {$8600.00}. 

I did not authorize any of these transactions. Chime declined to reimburse my unauthorized transactions. 

I also filed a report with the Federal Trade Commission, stating that my identity was stolen and used to make unauthorized online transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing the debt reported by XXXX XXXX they have stated that the card was sent to an address previously used by myself and payment were made from a bank account associated with my name on it, while I don't know if this is factually true I have always contented that my ex-wife or her children could have opened the account in my name and would have had access to both the address and our account as such I have request on numerous occasions documentation showing where I have signed for anything to do with this account which they are required to produce under the fair credit act, however all I have received from XXXX and XXXX XXXX are statements showing charges with no receipts, no signatures and no proof of ownership.

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 2021-01-04
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Dear administration, From my last complaint not go so long time, however, - 1XXXX  credit agency add to my credit report 26 poins without any rerason XXXX/XXXX/2020 2.My question to them do not bring me any result. 
3.After my question one lady me and offer me eat her XXXX 
My credit report used person from credit report agency! 
Please stop this fraud, please stop this harassments ' Please stop this humiliations .... 

Add just because you are man and do not want do what we like you do .... 

I do understand the laws is not working now, but i sure this is for short time and laws will start working again, and definitely I will call to sheriff department about humiliations, harassments, Genger descrimination, place of the birth discrimination, place of country where from you arrival discrimination ... 

I can let you use two days for decision this all questions, after that I will go to court. 
For my opinion it is enoghh time already given for this decision, 1.Start offer me loan and after add this to my report. 
2.My previous complain do not bring me any result, questions is ignored, not answering.

3.Anybody can request a loan use yourt personal date.

4.Credit agency use my personal informational.

5.Credit agency do not let me log in, the reason my password not right, send me a link, ok, new password, ok can use any time when they need add something there.

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: WI
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:
NOTICE OF OPT-OUT I have reached out to both XXXX, Experian AND XXXX in regards to these two accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On Experian website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these two companies believe they are above the IRS Publication? 

XXXX, Experian XXXX are third party data collectors and instead of asking ME the Original Creditor they go to verify information from third party debt collectors. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these two companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.

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 2023-10-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Title : Synchrony Bank Conflicting Investigation Original CFPB Complaint : XXXX Details : XXXX XXXX on behalf of Synchrony Bank responded to my original CFBP complaint and noted that we had she and I had a conversation XX/XX/2023 ( which lasted 57 min ). I brought to her attention that Synchrony Fraud department sent me letter on XX/XX/2023 that the Credit Card in question was not opened by me and that I am not responsible for any charges associated with that Card, for which I had raised dispute with Synchrony Bank. 
I shared the above information including the letter from Synchrony Bank with XXXX XXXX during our conversation, in which she agreed to mention about this conflicting information from their Bank, in her response to CFPB. It is clear now that she has rescinded on her words as she as failed to mention it in her response ( same letter is attached here as a proof ). 

It is clear that Synchrony Bank is engaging in fraudulent practice -- on one hand they themselves have concluded that Synchrony Card in dispute was not opened by me and I am not responsible for any charges, but still gone ahead and make me responsible for those charges, added late fee plus fines and destroying my credit score. 

In the dictionary of fair and even justice such behavior will be classified as dishonorable and predatory. 
Sincerely, 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 2021-01-03
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The car was in an accident, which it was totaled and the insurance company paid the car off. The information on my credit is incorrect saying it was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-11-22
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to pre-qualify for a car care credit card through Synchrony Bank, but instead of a sift pull it did a hard pull. I wanted to pre-qualify so that I was not adding any hard pulls to my credit.

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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a member in good standing with my Capital One CC until last XXXX when the creditor apparently charged us an annual fee on a credit card that was paid in full. Please also note that prior to the payoff we had our payments set up on auto pay. We did not receive a statement in the mail showing that we owed a balance nor did the creditor attempt to reach us by phone. We have never missed a payment with this creditor ( or any others for that matter ) so I find it extremely unethical for them to ruin my credit over missing an annual fee payment. I dont think its fair that people should receive hits to their credit for any types of fees ( anything that does not include charges or interest ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I accepted XXXX months of XXXX  due to damages sustained during XXXX XXXX. I resumed payments after the forbearance period and they are now reporting me late on the credit bureaus which has resulted in denial of a XXXX XXXX and closure of some of my credit accounts. This has had severe financial harm to my situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have 2 federal student loans serviced by MOHELA. When the SAVE plan was announced, I immediately filed an application to switch my payment plan to the SAVE plan, as I would save over {$100.00} a month. MOHELA confirmed receipt of this application on XX/XX/. MOHELA did not process the application in a timely manner, and placed me on an administrative forbearance through the end of XXXX to give them time to process the application. I received a bill for my first payment on XX/XX/, due XX/XX/, with the amount I was paying on my original plan due. The following day, my SAVE application was processed, and my new monthly payment was put into effect, but did not apply to the bill I was issued the day before. 

I called MOHELA and they told me that because the bill was generated before the SAVE  application was processed, they could not retroactively apply the new payment amount to the generated bill. They waited literally 1 day until after the bill was issued to process the application... for an application that I put in several months before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2019-02-09
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged {$27.00} in late fees ( {$25.00} ) and interest ( {$2.00} ) on a {$.00} balance, that I thought was going to be paid automatically after having set up payment on-line. It was unclear to me that XXXX Bank only offers a one-time payment option, rather than autopay like all the other credit cards I have. When the {$.00} balance was not deducted on XX/XX/2019, I received the next statement on XX/XX/XXXX, show a larger balance of {$28.00}. I called that day to pay the {$.00} balance and request a refund of the fee and interest. That request was rejected. I am sending a letter to their Billing Dispute Department to hopefully have a refund processed. 

However, in addition to feeling like these fees are outrageous given the extremely small balance, I believe XXXXXXXX XXXX conduct is also deceptive. Their website should be clearer regarding the lack of an autopay option. Further, when I called previously about a missed payment, I was simply told that the issue was that I had set up for a one-time payment, not that XXXX does not even provide the option of autopay, leaving me to think I had just somehow made an error on-line and that if I resubmitted my request, I could activate autopay for future payments. Finally, during my call with XXXX on XX/XX/XXXX, I stated that I was not going to pay the fees and interest. I was told that that was my choice, but the amount would still be owed. Only when I asked whether additional fees and interest would be applied to the disputed fees, did the agent inform me that they would. This all suggests to me that XXXX prefers to be vague about its payment system and others procedures, so that customers incur additional interest and late fees. 

Last, I do not believe they applied the proper late fee, even if I am required to pay the fee. The late fee is capped by the balance owed. They charged me {$25.00} as a late fee, which was the statement balance at the time the statement was issued. However, a credit of {$25.00} was applied on XX/XX/XXXX, well in advance of the payment due date, leaving a balance of {$.00} being unpaid as of XX/XX/XXXX, the due date for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis has been sued before because of incorrect reporting. My consumer attorney had them investigated ( and sued ) a few years ago for discriminating information gathering ; about minorities on my job. Now after our consumer attorney painstakingly worked to fix problems with the credit agencies about not correcting civil judgment lawsuit information ; I was encouraged to check out three other credit agencies for correct information. 
I contacted Lexis Nexis, and they sent me a report that contained not only wrong information, but had infused my sisters name and info and my fathers driving record. This is an invasion of privacy. 

Correct : I did have a traffic citation ( 39 before the 35 mph sign on a road ). I paid the fine early and my license was never suspended.

They have : Me XXXX and license suspended. I sent them three records : XXXX XXXX, never ended ; Court record, paying fine ; and DMV record, never suspended. I did this by XX/XX/2020 ; and they have not responded. 

I am thankful that we have consumer attorneys looking out for us, as I would have thought that after the former lawsuits, Lexis Nexis would be conducting lawful business. I wonder how many jobs were lost because of their carelessness toward citizens. 

I would appreciate if they would do the right thing and correct wrongs and respond to inquiries when asked without us having to report them. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I reviewed my credit file for any updates on my XXXX, XXXX and XXXX credit files, but what I noticed was that ARS had added another XXXX Accounts - XXXX XXXX, without issuing a notice to me or documentation showing proof of the claim, so that I could have my insurance company billed correctly. 
The current account on my credit files is for XXXX # XXXX in the amount of {$900.00}, along with my last request for compliant, that was closed by CFPB # XXXX, dated XXXX, in the amount of {$470.00}. Again, they have yet to issue proof of the claim for the XXXX Bills, provide proof that they provided documentation, since they claim to be the original creditor. I believe once again this agency has violated my rights as a Consumer ; the right to have the information be accurate and be informed of any debts on my credit before giving me the right to dispute before altering my credit files, per the FCRA. 
My next step is to the Attorney General Office.

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