BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are fraudulent XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX THE XXXX  XXXX Account number XXXX DEPT OF EDUCATIONXXXX Account Has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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 explanation
Consumer complaint received 2019-06-27
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Amerihome Mortgage company. At the moment my mortgage is 2 months behind. I have a water damage claim with them through my homeowners insurance. The date of loss was XX/XX/XXXX. I submitted the endorsed insurance check from XXXX XXXX 1 week after the date of loss. To date I still have not gotten any of the money to repair my home. Ive called in several times and been told something different each time. I was told to send a letter of request asking that the late mortgage payments be taken out of the insurance money and the rest be returned to me for repairs. The request was denied. Then I was told to send a letter stating in detail the issues that I was having providing the contractor documentation. Due to the busy season and my state requirements they ( all 8 contractors that I got bids from ) said that they cant provide all only some of the docs and since they already have lines out the door for work if they did have to provide them, it would push start and completion date out at least a month. I sent the letter in. Again it was denied and no money released. I am now paying a contractor out of pocket to fix my home. I was told then even after proving a signed contract ( pending ) and receipts of items Ive purchased ( also pending ), I will still have to provide waiver of lien and even then I would only get my money back if corporate approves. With 2 denials from corporate already I feel like Im never going to get my money back. Not to mention how stressful this is in the meantime. This is ridiculous. If this complaint is not resolved with full payment to me immediately I will get legal representation. Me and my XXXX year old daughter have been out of our home for over a month and I as a single mom am having to pay for repairs out of my pocket. This is simple unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX Owed : {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my second complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the Santander USA. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. First, I am disputing this account because I though t I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not 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 2023-06-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony seems to be illegally denying credit accounts under false/incorrect pretenses, even though they may not do it on purpose. 

I have tried to apply to the PayPal Cashback Mastercard, which is issued by Synchrony bank. 

I have applied multiple times during the month of XX/XX/2023, as well as today, XX/XX/2023. 

I keep getting denied by Synchrony Bank because my XXXX credit file is allegedly frozen. I am receiving denial letters from Synchrony stating the same. 

It is true that my XXXX file was frozen the first time I applied. I have immediately unfrozen it and reapplied, but it was subsequently denied for the same reason. 
I have then left my XXXX file unfrozen for over 30 days, then reapplied again today ( XX/XX/2023 ), having verified both online and by calling XXXX that my credit file is in fact not frozen. I have been denied every time, for the alleged reason that my XXXX file was frozen, which is materially false. 

In the denial letters sent by Synchrony bank on XX/XX/2023, they merely state " Unable to access your credit bureau file due to a freeze. ", mentioning the address of XXXX. 

I have called PayPal in XX/XX/2023 and on XX/XX/2023 in order to try to resolve the issue. They say they can't advise, because the credit account is opened on the Synchrony side, and Synchrony handles the credit approval. 

I have called Synchrony ( last time today, XX/XX/2023, at around XXXX PDT - Pacific Daylight Savings Time ), but after transferring me from department to department, they forcefully transferred me to PayPal even though I told them not to. Because Synchrony is the bank approving the credit account and the one sending the denial letter, I believe Synchrony is at fault. 

I have exhausted all my possibilities : - Trying to reapply - Double-checking with XXXX that my file is unfrozen - Calling Synchrony Note that a quick google search of the keywords " synchrony frozen paypal transunion '' will yield multiple reports of the same issue. This is clearly not isolated to just myself. Synchrony seems to be illegally denying credit accounts for implausible reasons. 

Note that I am a Synchrony customer ( I have a savings account opened with them )

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 2023-02-14
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
Ok, XXXX XXXX file my tax return. They told me that i had three option for receiving the refund. I choice to get the refund put on a American Express Serve card. When the refund was ready i attempted to activate the card. i had problems activating it. So i contacted customer support finally after 10 hour and going to the atm about four times i was able to activate the card. I went to the XXXX  XXXX atm located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX and made a {$700.00} dollar withdraw. The next day i checked my balance to see a duplicate charge of {$500.00} dollars taken out. I contacted American Express serve. I filed a dispute on XX/XX/2021. I called and they told me that on XX/XX/2021, i should receive a email with a decision on if they're going to give me temporary credit as the investigation goes on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2022-11-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX ( Original Creditor : 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 an 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 non-monetary relief
Consumer complaint received 2021-04-26
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Instead of allowing me to verify debt, it was instantly added to my credit report causing damage to my current score Ive worked hard to increase. I have not received any communication from this company prior to placing this on my 3 credit reports. I would like them to allow me to verify the debt before sending derogatory information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I noticed 4 transaction on line that did not belong to me. I called Chase and spoke to the fraud dept. but because they where in a pending status which meant they had just happened they couldn't help me so I then went to the bank in XXXX CA spoke to Mr XXXX the Branch Manger and he called and reviewed the file all they could tell me is that I was in Wisconsin at the teller doing the fraud. Which there is no way because I was standing in front of the branch manager in XXXX CA after I saw the fraud online and I reported it to the 800 # and then drove to the bank. So after the transaction went through on Friday at XXXX I recalled the claims dept explained the whole story started the claim for all the fraud. Took about 45minutes on the phone they did not give claim # and they were rude. So to protect myself and get the claim rolling I drove back to the XXXX Chase branch Friday the XXXX to take care of everything in person. Someone wrote a check to me for {$3900.00} they tried to do a withdrawl slip and have the teller only deposit the {$950.00} Check wasnt even signed on the front from the person who wrote it they had no proper ID and check was clearly fraudlent they forged my signature and then the teller let them do 3 separte withdrawals for {$4100.00}. they said account would be frozen but they keep taking money out and on the new account Chase keeps taking the orig fraudlent tranactions out of the new Account so as of today my business is down over {$10000.00}. I have spoken to claims and Fraud and XXXX Branch since XX/XX/2019. No one can answer any of these questions. they are taking deposits and doing them as withdarwals and then just taking withdrawals out that make rhyme or reasons to them and not one person can help. I've tried to escalte call and at the branch to speak to like a district manager but nothing. 
Chase is too big of a bank to be allowed to behavior in unethical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been using binance.us to trade crypto currency for 3 months. I have submitted all documents needed and have had no issues. On Friday my account was suddenly locked and said needed verification. I've contacted multiple times ( through email the only way they have for contact ). And I get a generic email stating they aren't allowing and new tickets due to volume. At this point they have cost me {$15000.00}. I would be OK if I could move the money to another exchange but I can't even do that. I have XXXX stuck and no help from the company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018 my husband passed away. I had a problems with your bank that refused to give me any information on my husbands accounts. This bank told me that a XXXX XXXX called your bank and announced that me XXXX XXXX gave him my husbands law business. I informed the the bank that was a lie. XXXX XXXX Was listed only if he chose to purchase the law practice. But he refused. In the event if my husband died. This XXXX XXXX called the PNC bank before I chose to act on the Will, which I have not read the Will nor did I act on any executive matters because XXXX XXXX had the Will in my husbands office. I was totally breaking down and ask to speak to the manager. The manager but me out of the bank without giving me any information. This bank allowed the man XXXX XXXX into my husbands bank account and gave this man as well as XXXX XXXX the paralegal in the law practice all the information on my husbands accounts. I was very ill for days alone with the grief. I begged this bank to help me, t needed information on this account and accounts from clients. I had court probate papers. XXXX XXXX only made a phone call and your bank helped XXXX XXXX To steal my husbands law practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Chime Financial Inc
State: WI
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:
For the last 2 years I have Used the credit builder card from Chime otherwise known as XXXX Bank. I stopped Using the account a while ago and they reported the account 30 days late. Its impossible because this is a prepaid credit account and you cant spend money you dont have I tried calling them but they refused to fix it and gave me vague answers. My former name XXXX is on the account just for your records but I called them and asked them to remove the late payment because it was never late and was impossible to be late!

Company response to consumer: Closed with explanation