BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit 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've called Synchrony Bank several times about an unauthorized charge on my card. They said on both occasions that they was prompting and investigation and that they would have the issue resolved. Well nothing has been resolved and they are hitting my credit and constantly raising the late fee as oppose to closing the card and correcting the discrepancy. My credit score has gone down XXXX points be use of it.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
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:
Im accordance with the Fair credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15.U.S.C. 1681 Section 602 A states I have the rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2019-04-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
An alleged debt collector sent a text stating : A delivery of documents has been scheduled for XX/XX/2019 during normal business hours ( XXXX-XXXX  ) for XXXX XXXX. To Re-route or reschedule the delivery please call XXXX and provide reference # XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. You are communicating with a debt collector. 

They do not identify the name of the company. The ph # that texted me is XXXX. When I call the toll free number they state they are JPM but won't provide other information. They say their address is XXXX XXXX XXXX XXXX XXXX FL XXXX. Well that address is a high rise office building and they refused to give me suite number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is related to earlier complaint I have sent to Wells Fargo. CFPB reference number XXXX. The original complaint is regarding a {$500.00} new account opening deposit which the company said they refunded back to me. But it has never been refunded back to me. I asked Wells Fargo representative, XXXX XXXX ( XXXX ) XXXX, to produce a reference number that represents the refunded transaction. XXXX XXXX, the Wells Fargo representative simply said there is no such reference number. Without this reference number, I am not able inquire with my original Bank, XXXX XXXX, on the refunded amount. The fact that there is no reference number makes no sense to me. There has to be some XXXX reference number traceable. Please reopen this case so that I can get my {$500.00} back. It has been almost 2 months since this amount has been not returned back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. 

The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Kovo
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: Credit inquiries on your report that you don't recognize

Complaint:
I canceled My Kovo credit XXXX account In XX/XX/ 2022 they are now charging my accounts without authorization and reporting negatively to the credit bureaus i no longer do business with Kovo credit XXXX I've reached out to customer service and all my request have been ignored i was up to date with all my payments they have no right to report a discrepancy on my report especially when the account was terminated in XXXX thank you for your time and consideration on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-14
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid 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:
I am STILL in a dispute with Barclays Bank regarding fraudulent XXXX XXXX charges. 

The card in question is XXXX XXXX XXXX XXXX. 

I would like to know HOW it was activated ( the method ) and the IP address used. I never activated this or any of the new cards that were sent to me. I never activated these cards on the Barclays website. 

Additionally, I would like store video evidence of these purchases as it was NOT me nor any other household members. 

Finally, since I have the cards in my possession, I would like you to scan my physical card and chip and see that this was NOT used. My cards never left my home, and were never used in any of the stores you are saying. Have other copies of the card been sent out? Mail theft is a big problem where I live and we have been victims of this before- my replacement debit card was stolen late last year. 

This is 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 monetary relief
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to you due to my concerns with Bank of America 's financial practices. On XX/XX/2022 I purchased a trip for {$1700.00} through a third party travel company called XXXX XXXXXXXX using my Bank of America Credit Card. However, XXXX XXXXXXXX filed for bankruptcy sometime in XXXX XXXX XXXX. My travel partner and I did not find this out right away. After attempting to contact the XXXX, we were told to also contact our credit card companies. She had purchased through XXXX and got her money back almost instantly. I contacted BOA who stated they would send me directions via mail ( snail mail ) to send supporting documents back to them proving the matter. They said it must be sent via mail, even though I travel for work. By the time I returned home, and received the communication, it was significantly later. I was outside the window of time they allotted me to get supporting evidence back to them. In addition, they stated that since it was over 6 months from date of purchase it was outside the transaction window/time frame when they can return funds. I was beyond frustrated. They said there wasn't much they could do. After being transferred around to multiple departments, asking for managers etc. they said they would send me another form ( this time by email!, so they can correspond that way ) to submit my claim etc. Even though we confirmed my email, I never received any email. I followed up numerous times and never received any follow-up emails or instructions, despite being told they were sending them to me. However, I get confirmation emails and transaction alerts and statements from them regarding my credit cards all the time - there is no way these emails should not have made it to me. 

I have called BOA and wasted hours and hours on the phone with them, not getting anywhere. I believe they purposefully drew out the process, falsely stated they were sending me documents/emails etc, and had no intention of ever following through or returning my money for a purchase where no services were ever rendered. I have never received any written correspondence from the company except for that first letter that was sent while I was away from home. I have never received any type of compensation or refund from the company. 

Sadly, I eventually gave up/did n't have the bandwidth to continue fighting them until I read recent reports about the BOA 's other financial misconduct. I believe their misconduct is deeply ingrained into their entire system.

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 2022-10-02
Company: SYNCHRONY FINANCIAL
State: NC
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:
I filled out some information on a website and they must have fished my information around to other credit companies without my consent I applied for a home loan and I noticed several mortgage companies on my report without my 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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Found old Bank account number which is unavailable right now. Upon retrieval of this personal information I went to Bank of America in which XXXX XXXX was supposed to be either in a savings account or attached to the account number. Customer serventice then informed me of account being closed without my permission. This was to be a payment for my painting titled 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 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2020-05-15
Company: WELLS FARGO & COMPANY
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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE WELLS FARGO CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS 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 2022-11-07
Company: Genesis FS Card Services, 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:
ACCORDING THE FCRA, This company has VIOLATED my consumer rights!! NONE OF THIS INFORMATION WAS SHARED WITH ME FROM THE COMPANIES LISTED BELOW. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Name : CB Indigo Account Number : XXXX Account is reporting late 60 days XX/XX/2022, late 30 days XX/XX/2022, XXXX  30 days. Remove this late payment immediately. 

MY PERSONAL INFORMATION WAS SHARED WITHOUT MY CONSENT! DELETE THIS LATE PAYMENT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: ARVEST BANK GROUP, 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 status incorrect

Complaint:
Please, I need your help. 
I have tried all the available communication channels with Arvest Mortgage XXXX, and I am reaching nothing. My credit has been affected severely because of the Arvest mistake, or they're insisting on ruining my credit.

Arvest, the company that handles my mortgage, insists on ruining my credit score and, eventually, my credit report.

Attached is a letter from Arvest ( The mortgage company ) dated XX/XX/2021, informing me that they sent a correction letter to XXXX, XXXX, XXXX, and XXXX credit reporting agencies. Arvest also informed me that my loan status would show as current. 

On XX/XX/2021, I received the 2nd attached letter from my credit monitoring company stating that Arvest reports my mortgage account with Arvest as a major derogatory item. 

I don't know what to do? 
The damage has already been done to my credit score and credit report and fixing it will take over 2 months. 
I don't believe that it is my fault or mistake. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian will not stop unwanted Promotional Inquires after I have filed and opt out sign a Notice oF Election form and I have requested to stop since XX/XX/2017 2017

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 2022-10-14
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My account was charge {$510.00} on XX/XX/2021. I didnt purchase anything from this transaction. It is a fraud on my credit card. I dispute it and call the credit card several times, but they dont refund my credit back. 
They charge my account XXXX times and refund XXXX time, the credit card company still didnt refund my the {$510.00}. It is from my XXXX fraud. The XXXX didnt refund me neither.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

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 2023-05-23
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX I had to go pawn my title. I really didn't want to do it because I was really proud of myself for paying off my XXXX but my husband got ill and I'm a housewife. So I did it. I told the sales person that I never done this before and I really don't understand how it works. So he explained it to me and told me that I got the BEST rate out of most of the people that comes in there. I told this person my situation and that bills piling up and getting disconnected. So made me believe that I was doing the right thing and I had the BEST rates and I believed him. The loan was for {$3000.00} I have to pay back {$4100.00}. I still signed it because of my situation. But now it's {$4600.00}. I've made on time payments of {$520.00}. So far I've paid {$2000.00} and my balance still the same. I called and asked about the balance, and told me to sell my car to someone to pay them. I told her that the guy should have told me that I'm just only going to be paying the interest. I would have NEVER done it. I can't afford to lose my car and I can't afford to keeeeeeeep paying and NEVER getting anywhere with the balance. HELP ME. I WAS VERY MISLEAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Nelnet, Inc.
State: PA
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:
I'm waiting om a refund from them XX/XX/25 I had called and I see people getting refunds who requested after me. I've been waiting about XXXX days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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:
I had a XXXX XXXX  credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.

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 2023-08-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've made several attempts to pay a charged off account with XXXX XXXX XXXX The amount of the charge off is {$2100.00}. Between yesterday and today I've made at least 10 phone calls and wasted hours of my time trying to resolve this account. The call I originally made they advised me that the account had been sold to XXXX XXXX XXXX and they gave me the phone number of XXXX to contact them. I contacted them yesterday and they advised me that they have nothing regarding this. Today I called XXXX again at XXXX and they provided the same information as I was provided yesterday. I expressed to them that I wanted to resolve this account and how could I do this. They gave me a different phone number for XXXX XXXX XXXX XXXX so I tried calling again. Once again I was provided the same information that they have nothing on my account and nothing regarding this debt with 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