BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, So i Recently made deposit of large amount of checks from state of california it was a back pay for my job as an IXXXX XXXX for me XXXX this program for family 's with XXXX  family member and a family member can provide the support i was approved to provide in home care for my son since my application date was XX/XX/XXXX  and it took so long to get approved the state sent me all back pay from the time i applied i then went to the bank and deposited the amount into my bank account it was fine i went and made some small purchases and everything was going well. Until I decided to pay off my husband car loan on XX/XX/XXXX around XXXX XXXX  we went to the XXXX  XXXX XXXX and tried to pay off the loan the transaction didnt went trough, After that my card was keep getting declined so the next morning janurayy XXXX around XXXX XXXX  i called the bank and asked them why my transactions getting declined the tier one support transferred my call to Fraud department. 
This is where the story begin a very rude lady starting all the questions i all ready answered to the tier one agent whom i was on a call with for 30 minutes i asked the Fraud department lady why she is asking me same questions all over again she should have all information from tier one who connected us she got mad and Said okay bye have a good day and hang up on me. 
Few minutes later around XXXX XXXX  up on checking my account online I noticed i cant login and access anything where i was able to login and access everything before calling the bank so i called again and someone from fraud department asked some questions from checks I deposited and told me that your account is frozen due to check deposits and we will investigate this it will take two weeks i told them several time that those checks are from state of California and you can call the issuer if you have any questions from me i can answer but no my account is still frozen and no one is taking care if it. 
I am attaching receipt from the days of deposit and also some email screen shot from the sender of checks the confirms it is coming from a legitimate state office. 
PLEASE 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America owes me XXXX it's been over a year since I reported the frauded amount on my account.they returned my claim not funded because of atm withdrawals.when there should be no atm withdrawals in my claim.because I withdrew the money at the atm.so logically there should be no atm withdrawals in my claim.they owe me XXXX and don't want to pay 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 2020-08-12
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 information incorrect

Complaint:
Incorrect information furnished. Attached is documents showing issues.

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 2023-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a BP credit card on XX/XX/XXXX. Because I was barely using the card, the company closed my account on XX/XX/XXXX. The status is " Paid, Closed ''. I did not have any balance on this card but I noticed that they have reported XXXX late payments. I am trying to contact the company to resolve the issue ( or pay the amount if it is my fault ) however the BP accounts have been transferred to SYNCB. SYNCB has no information about my account. This problem has significantly reduced my credit score and I do not know how to resolve it or who to talk to. I disputed this on XXXX but no information came out of that either.

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 2019-01-21
Company: Oklahoma Student Loan Authority
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. 

Monday, XX/XX/XXXX I received my bankruptcy letter in the mail.

Wednesday, XX/XX/XXXX at the end of my XXXX  class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). 

Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX  to discuss the school closure and student options. 

XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX  Wednesday, XX/XX/XXXX I had a meeting with XXXX  XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. 

Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. 

Wednesday, XX/XX/XXXX. XXXX  department and other departments of the school were being liquidated. The school was giving away XXXX  uniforms and other XXXX. 

Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX  XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. 

My original plan was to graduate from the XXXX XXXX XXXX XXXX   XXXX  with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. 

After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX  closed its doors permanently on Saturday, XX/XX/XXXX. 

I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. 

I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. 

Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got my income return onto my chime card and they asked me to verify my identity which I did. I sent my income tax transcripts, my tax return for the deposit I got with chime, Valid government Id and my social security card and Birth Certificate. I sent everything numerous times and I still have all the emails. Every time I talk to a rep they tell me the same thing. When I ask to speak to a supervisor they Always say there is not one. All I want is my money I have a funeral to pay for and been unable to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : SYNCB/PPC 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 2023-09-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
When I tried to open a checking account on my own, I was stated that I have had an account with them before which I know for a fact isn't true. I have been a victim of identity theft and what I assumed I cleared up keeps coming back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The vehicle has been paid in full. I have the title and the attachment is a supporting documents are proof that the vehicle was paid. And I need this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was told today XX/XX/2023 that someone showed up at my mother 's house which is also where I live and stated that they were doing a wellness check. 

This is so far beyond outside the scope of any person let alone any business to be doing if they do not know me. It is unprofessional and it is unacceptable for any reason whatsoever. 

I want the information of the person who did this and I want my account to be XXXX  out or I will be taking this information to an attorney due to the mental and emotional stress and having to miss work to go to the commissioner 's office and to the sheriff 's office to figure out what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I informed Transunion in XXXX that the information on my credit report needed to be corrected. I had a name change due to identity theft, and Transunion have not removed the old and inaccurate information from my credit report. It is now XXXX, and I have asked them since XXXX to fix this persistently. Transunion keeps telling me they've removed the information but they have not! My name was changed in 2019. 

Attached is a screenshot for your viewing of the inaccurate information, underlined in RED.

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 2021-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My leased car ended on XX/XX/2020. I continued to pay monthly payments as I did not feel comfortable going into the dealership when COVID 19 cases were high as I am a XXXX XXXX XXXX XXXX  and therefore consider high risk. On XX/XX/2020 when COVID 19 cases were lower, I turned in the leased XXXX and leased a new XXXX on that same day. At no time was I told or provided information that I owed a payment or any other amount for XXXX prior to signing the new lease. I clearly would have negotiated that in the new lease contract but was not given the opportunity to do so. I was also never told that if the payment for XXXX was not made, that information would be reported to the credit bureau. I simply turned in the car with NO ADDITIONAL information provided. This is deceptive!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The debtor kept recirculating the XXXX XXXX ( originally for {$6000.00} ) to cents on the dollar debtors. It was illegally never discharged due to permanent and irreversible XXXX, which was the legitimate basis for all my other 32 loans being discharged. The lender, can't remember if it was XXXX or XXXX, ordered me to submit their own request for discharge due to XXXX. I did this in XXXXXXXX XXXX then was told in XXXX that my loan went into default XXXXXXXX XXXX 
Now I have received a notice from the Dept. of Ed. that this loan is now due again, in the amount of about {$6600.00}. I downloaded a Dept. of Ed. for discharge of this one loan, but am afraid I will end up in the same muddle as before. 
What do I do now? File the request by paper immediately? File in online with the Dept of E
d.? Or, somehow file a complaint against the whole process with your agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NY
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 accounts below have violated my rights # XXXX and # XXXX 15 U.S.C 1681 section 602. States that i have the right to privacy.

15 U.S.C section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The following was sent to Chase on XX/XX/2019 : INSUFFICIENT FUNDS FEE FOR A {$93.00} ITEM - DETAILS : XXXX PAYMENT INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$1600.00} I've attached two screenshots from my Chase mobile app. The first XXXX XXXX XXXX clearly shows the XXXX payment pending with a positive balance {$680.00} AND Check # XXXX NOT pending. 

The 2nd attachment XXXX XXXX clearly shows a positive balance {$670.00} and, again, Check # XXXX NOT pending. Again, the date and time is XXXX XXXX, 2019 at XXXX XXXX 

This lead me to believe I didn't need to transfer money into the account. Which I subsequently did on XX/XX/2019 in the amount of {$1500.00}. 

At some time AFTER XXXX XXXX on XXXX XXXX,XX/XX/2019 Check # XXXX was debited from the account as of XXXX XXXX,XX/XX/2019 

In a word, this just seems ... wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have spent the better part of XX/XX/2018 trying to have some funds that I didn't authorize returned to my account. I was contacted by someone from XXXX XXXX that stated they were representing XXXX XXXX  and that they by opening a card and transferring the funds from my Chase card to the new XXXX XXXX I would save on interest on the account. Although I was interested in saving, when they informed me that they would charge an extra {$1500.00} fee to my account, I told them I wasn't interested. They proceeded to transfer me to a manager who also tried to convince me and although I said I didn't want any fees added to my account they still proceeded to charge it to my chase account. When I contacted Chase about the charge, they temporarily removed the charge until they investigated it. When I contacted XXXX XXXX about the charge, they informed me that they found the charge to be fraudulent and blocked it without paying any money out. Although Chase says that they have already paid it out the funds to XXXX and XXXX states they returned the money 's to Chase, as of today, the money has not been returned to my account and the charge has not been removed from my account at Chase. I don't know what to do. All I know is that I was not provided the service that they supposedly said I received and nobody seems to know where the money has gone and I'm left with an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Avant Holding Company, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, State ID, and detailed document in regard to my claim.

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