BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Great American Finance Co
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I bought two sofa sleepers on XX/XX/XXXX for XXXX at zero percent interest for 5 years. I then bought a desk on XX/XX/XXXX for XXXX at zero percent interest until XX/XX/XXXX. They added some kind of account protection that cost a little over XXXX a month and that payment was paid from the monthly amount due for the promotional pricing. I set this up as an auto payment with electronic statements. I did not realize I was being set up for a huge 29.9 % finance when only half of the promotion was set up to be paid at zero percent interest. I chatted with XXXX and he said everything was calculated correctly and then said it was an error because of the exorbitant fee associated with the protection plan.He said I should ask for a refund for the protection plan. I called on XX/XX/XXXX at XXXX XXXX   CST and got hung up up and then called at XXXX XXXX  CST and finally got a manager who made fun of me for not catching it on the online statement. He then lied to me and said that the purchase would still carry at zero percent interest after the promotion ends because that is what I bought it for so it doesn't matter-this is not what is printed on the statement. He also told me that he can not add the protection plan costs to the balance because that would incur interest and cost more. So I am stuck with bad furniture that did not hold up and really dishonest financing. They intentionally set up my monthly minimum so that it would not cover the promotions.

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 2023-06-12
Company: Chime Financial Inc
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:
Bought a new TV and never activated XXXXXXXX XXXX XXXX .When trying to activate it on my new TV it gave me a code to sign on with my computer or mobile phone. I choose using my mobile phone. It said i was having trouble signing on with code and gave me a number to call. Thinking that this was a secure server that XXXX had in their network i called the number. The person who answered said that he was with XXXX XXXX department and somebody in Ohio was using my account. So in order to make sure my account was not being used he needed to go through a verification process to confirm my identity. He said that we were going to do some dummy charges to my card and that it wouldnt be charged to my account. Also if they were XXXX would be held responsible for it. After several verifications he said that the process wasnt finish yet. So i began to get cautious and started snapping pictures of the charges and watching my accunt on my laptop. When i seen my account getting to be less than what it was i required him to put my account back to what it was or i wanted to speak to a supervisor. That when credited my account back with XXXX $ and XXXX  $ with the XXXX logo that said refund and cancellation and with chime when money is credited back to your account it credited in green. He re credited my account back so i was thinking it had to be someone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: DISCOVER BANK
State: IL
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: ERC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft. I have tried to dispute this same amount from this company multiple times yet their still trying to collect a debt that I do not owe. I wasnt aware that it was on my report again, because I was homeless. I wasnt aware that I could file a report/get them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed for fraud which I reported. However, my paycheck went into the account after it was closed. I have called every single day since ( XXXX ) and asked for my paycheck and they are withholding it and saying they have the right to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was contacted by PYOD Earlier this month about a collection that was not mine. I told them it doesnt belong to me. Now its on my credit report. I called XXXX and tried to Dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited {$3000.00} cash into my Chase branch atm. The atm said that it could accept XXXX bills. I put into the atm slot XXXX {$20.00} bills. After it took my money it printed out a receipt without the amount of money I put in and it just said please call chase if you do not see the funds in your account. I immediately called and filed a claim because the funds never went I to my account, now its XX/XX/XXXX they are still giving me the run around about my money and they have told me that it was about 14 error messages with the same atm that I used but still havent credited me or given me any of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2023, I sold a vehicle to a stranger. We both banked with TD. We went into the bank and the buyer withdrew {$20000.00} from his account, and I deposited the cash into my account. I then gave the vehicle and the title to the buyer. I have a receipt of the deposit. An hour later I looked at my account and the {$20000.00} was placed on hold. 

I went back to the bank same day XX/XX/XXXX and I was told by the same teller that the buyer came back and wanted to make it a check transaction. She stated that the buyer said he spoke to me, but this was not true. 

She withdrew the cash from my account without my knowledge and without my consent and I was not in the bank. She then deposited a check for the same amount. 

Another teller stated that the buyer is allowed to change his mind and that the transaction was changed without my knowledge or consent. 

I went into the branch on Monday at XXXX to talk to the manager and the manager XXXX said he didn't have time for me. 

I call the bank yet again and was told it was going to be escalated to the regional manager and I would get a call today. 

No call, I called at XXXX and was told there's no one available and XXXX the regional  manager is not available. 

{$20000.00} cash was taken out of my account and replaced with a check without my knowledge or consent. The funds are still not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MS
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 DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I have written to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity due to these fraudlent accounts on my report. I have contacted experian and they do not seem to have the urgency to fix this situation as fast as they have reported it to me. 

I ask that you help me make them comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, 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 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous. 

Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday. 

I was charged interest and penalties in the amount of {$38.00}. 

They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance. 

When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management. 

Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand. 

I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2021-05-14
Company: MEGA CAPITAL FUNDING INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I sent in a payment to establish my escrow account. I called more than once to verify that my escrow account would be established and they said it would be. I waited for my payment amount to change and after a few months of no change I called again. They misapplied my escrow payment to my principle, when they reversed the payment they also reversed my last three mortgage payments and then sent me to collections and sent letters saying that I was in default. I called multiple times trying to get the situation sorted out. I was told that it would be fixed by XXXX, it was not. It has finally been fixed and they took the correct payment over the phone. I called to make the XXXX payment and they are refusing to take my payment. They insist that they can not take a partial payment, even though they did for XXXX. They have messed up my account and have not been helpful. I can not understand how they are able to stay in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: LA
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:
I have disputed the following accounts multiple times with Equifax and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. XXXX Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. XXXX is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

Experian : XXXX - Date opened XXXX XXXX, XXXX. 
1. XX/XX/XXXX - reported late payment 30 days 2. XX/XX/XXXX - reported late payment 30 days 3. XX/XX/XXXX - reported late payment 30 days 4. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX XXXX : XXXX - Date opened XXXX XXXX, XXXX 1. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.

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 2023-04-20
Company: EQUIFAX, INC.
State: LA
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:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XX/XX/XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XX/XX/XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XX/XX/XXXX, FL 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 2023-10-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 a direct deposit was made into my Union Bank Checking Account for the amount of {$620.00}. On the same day this account was closed due to a bank conversion - Union Bank was now owned by U.S Bank ( Union Bank is no longer open or in service ). My employer has stated that Union Bank accepted the deposit and has not returned the funds. My Union bank account did not transfer over to U.S Bank and was closed. U.S Bank claims they returned the funds and provided me a return tracking number ( # XXXX ) but the funds were returned to Union Bank and not my employers bank. At this point there has been no resolution to retrieve the funds. 

They have claimed they can no longer help me due to the fact that I do not have an open account with U.S. Bank

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 2023-04-20
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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