BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime is an online banking company. I have made multiple deposits over the last year without issue. On XX/XX/XXXX and XXXX, 2021, Chime made 3 unauthorized withdrawals from my checking account with XXXX XXXX XXXX totalling XXXX, and then suspended my account, so I am unable to access the money they have taken or the money I previously deposited totaling over {$4000.00}. I called and spoke with a manager to understand what happened and he refused to assist me unless I provide a picture of myself holding my driver 's license, a picture of the front and back of my driver 's license, proof of address, documentation verifying the transfers ( which I did not make ) and a written explanation of the origin and intended purpose of cash funds recently made such as my bank statement or check stub. They have given me 3 days to comply or they will cancel my account with all of my money. I feel like I'm being scammed and am not comfortable with providing any further information. I am contacting XXXX XXXX XXXX with regards to the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX XXXX XXXX from Synchrony Bank with an offer of XXXX XXXXXXXX XXXX  for spending {$3000.00} within the first 3 months of card membership. I was approved with a credit line of {$1500.00}. The main issue I encountered was the bank refused to free up my used credit line even a week after my payments had been posted. It was very annoying to not be able to use my card for purchases due to both the very low credit line and extremely long time for my available credit to free up even a week or more after my payment had been posted. 

This was especially apparent in the last few weeks of the offer period where I simply could not charge enough to the card to reach the advertised bonus since I was given a quite low credit line and had to wait an unreasonably long time for credit to free up even after payments had shown as fully processed. I ended up being able to spend {$2900.00} out of the {$3000.00} required for the offer. I called the bank and explained the situation hoping they would make an exception since their system simply did not allow me to do the necessary spending. They said they would open a case and get back to me but I never heard back. This was back in 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 2018-12-31
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working with XXXX XXXX XXXX since the end of XXXX to get an affordable payment. I have called at least a dozen times. I have filled out multiple applications and submitted pay stubs multiple times because every time I call I am given a different answer. I still do not have an affordable payment and it is now the end of XXXX with a payment due XX/XX/XXXX. When I asked for a report of all the times Ive called and responses Ive received I was told that is internal information. So there is zero accountability on their part for the fact that it has taken them two months and they have not helped me at all. There is zero accountability for their mistakes but I am expected to make my payment which I cant afford. Today I finally spoke with a woman that partially fixed the problem. But it is simply due to the fact that I was lucky enough to get her on the phone which makes me question what they were doing for the past two months when they told me they were submitting applications. I feel that they do not handle things properly which is worrisome considering the amount of debt that they manage. I am frustrated that they are my only option for repairing these loans. I simply want to be able to afford my payment and make said payment. Not use forebearance time as they have suggested did to me when they dont know what to do. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to me the customer when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to anyone when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things Something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name : 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 I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.

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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES WHERE FILE UNDER MY NAME AND THESE COMPNAY REFUSED TO REMOVED THESE FRAUDELENT ACCOUNT FROM MY REPORT THAT ARE NOT MINE I HAVE PROVIDED THEN WITH ALL XXXX BANK OF AMERICA # XXXX .... 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 

I have provided you all document of the illegality. 
Of this account. 
1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit

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 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just noticed that my bank accounts were frozen due to a judgement by a creditor. 
I am unfamiliar with this creditor but I recently learned that they bought the debt XXXX yrs ago. Why havent I heard from them. I never received notice that I am being sued and they got a court judgement to garnish my whole life savings. They also attached the hold on my XXXX yr olds accounts. This was all her social security and annuity income in these accts. We are unable to pay our living expenses with XXXX balances. I am the full time care giver for my mother and I am not working. Please help us with this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Please help me I have been so humiliated by XXXX XXXX XXXXXXXX hey have XXXX  dollars of mine and refuse to give it to me i opened acct XX/XX/XXXX they closed it XX/XX/XXXX and I've gone every day per request of the risk management saying it was ok to get my money and 4 locations hsve told Me no and the new XXXX location sat me in room whee eveyone could sew forb2 hours questioning me where I got my money from which was the texas rent relief program and even though check cleared the bank manager said she could hold Mt money for 7 years but why I've proven my identity I've been nice and the check is good it cleared its from the government pleade let me have my money theyvsaid no you can wait for 6 weeks will mail it to you what ikk be XXXX  by then please help snd by the way this happen 2 locations the questions andxtresting me trash or criminal while customers watched and whispering I'm so humiliated

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 2018-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid 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 got this credit card about a year ago, and was not educated on credit. I called Bank of America to see if we could work something out but they have just increased how much I owe & shut the card down. Im a student and I cant afford this honestly, and its just tanking my credit. I didnt even know that it was happening until I downloaded XXXX XXXX and it showed on there that my credit was so bad. I owe {$680.00} on it and I dont even think I spent {$500.00}. Its just been interest racking up. I hope you can help!

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transunion, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . Transunion, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

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 2018-10-17
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
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. 

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 right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
I am requesting my consumer report and submitting the information requested by XXXX for the 4th time. I have a right to my credit report and scores and I am being denied that right by XXXX using stall tactics to keep my report from 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-04-26
Company: BBVA FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I tried to fix a issue with BBVA Compass Bank ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through XXXX and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX and BBVA COMPASS entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving voicemail messages from a XXXX XXXX XXXX. I look this company up on the Web and there is no such company. But that is not the biggest problem the problem is the messages they are leaving are not leaving enough information one they are not asking who they are looking for two they are not saying who they are collecting on behalf of. According to the federal trade commission they have to comply with not only leaving s messages who they are collecting for and asking for the right person so I am under the impression that they got the wrong phone number and the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Billing dispute for services

Complaint:
On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX   address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. 

I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.

When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.

Company response to consumer: Closed with explanation