BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CO
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 disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

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 2018-08-15
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies

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 2023-03-18
Company: CNG HOLDINGS INC
State: NJ
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:
Every couple of years this company will appear and then disappear off my credit report. Its fraud. I spoke to them on the phone and they said I have a debt with furniture which I never bought and in a state that Ive never been too. Someone has all my information from many years ago from a security breach which has been reported. This has been going on for many years and it just appeared again. Im contacting every government agency about the fraud, identity theft scam taking place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Bank ( XXXX ) has sent multiple recall requests and Bank of America still hasn't respond the recall. XXXX XXXX XXXX of Bank of America did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank XXXX requested numerous of times to Bank of America along with the police report the circumstance and and Bank of America refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. 

I met XXXX XXXX XXXX late XXXX at XXXX XXXX XXXX XXXX in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on 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 2021-09-26
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
On XXXX XX/XX/XXXX, I went into active duty-XXXX  status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via email from the company that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Ally Financial and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 10 months after the initial loan and car purchase ( XX/XX/XXXX ) before I was granted this account adjustment. However, too late before Ally reported on going payments as late and marked me in a delinquent status ( reported twice : XX/XX/XXXX and XX/XX/XXXX ). Furthermore, I did not receive notification on reimbursement of overpayment on this loan from the months prior given he applied rate adjustment according to SCRA regulations.

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 2019-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The dismissed bankruptcy on my XXXX, XXXX, Equifax reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
received a collections notice for a debt from a semester that i signed up for but couldn't attend due to XXXX. This was a semester of dissertation, and the university shut down during this time. I believe this constitutes a breach of contract on the University 's side. 

Furthermore, the state has withheld funds from my tax return in support of this claim, so i believe that the amount the debt collector is referencing to be wrong. A total of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX I bought what I thought was a real XXXX XXXX phone case. Its fake I found out and its never been delivered so I want a credit but Barclays cs wont when I dont have the item and the item to be delivered is fraudulent and fake anyway

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 2018-08-15
Company: Phoenix Financial Services LLC
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:
Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.

Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
Phoenix Financial Service remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
A certified notarized contract rescission/affidavit of truth letter was sent to the dealership XXXX XXXX XXXX XXXX XXXX XXXX CT for contractual fraud in XXXX of XXXX alleging that the contract did not reflect the {$1000.00} down payment as the one I signed did. I received a signed return receipt, and there was no response to the notice by the dealership within the 45 day time period, or nothing to disprove my claim that my consumer rights and consumer laws were violated by them and that the vehicle belongs to me according to the law. GMCs financing legal team was also notified via phone, fax, and certified mail of the contractual problem and was informed that a 1099c debt cancellation was done in XX/XX/XXXX because fraud and deceptive business practices. I also faxed GMC financial a copy of the 1099C and the fraudulent contract. Then on XX/XX/XXXX GMC proceeded to repossess the vehicle and with no payments owed to them refusing to return the vehicle and have plans to auction my truck without my permission and against my will. GMC is still currently billing me for the truck as well when they know it was a consumer credit transaction and have no legal right to possess my vehicle. Also in XX/XX/XXXX a certified notarized letter was sent to GMC financial fraud and legal team once again I received the return receipt but GMC has not yet responded. I called and they said my truck went to auction again the contract had been deemed null and void because of contractual fraud. I am without a vehicle and is currently renting one to get back in forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: OR
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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So I have been trying to catch my Capital One Credit Card up and it seems nearly impossible to do so because everytime I make a payment. I get charged interest or late payment. Last month I paid more than the minimum and I still get charged fees. 

These fees are getting down right ridiculus. I have addressed this issue before with Capital One but they seem to not care. I am simply asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: DISCOVER BANK
State: MO
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 had a XXXX point drop in my credit score due to a late payment I have made no late payments! All my payments are paid on time, because I am enrolled in automatic payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to TRANSWORLD SYSTEMS according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
It is a shame to having to come to CFPB for things that chase could have easily handle it in the branch or over the phone. This just shows how pathetic chase bank service is. 

Went to chase branch to reopen an account. Was told to open a whole new account. I agreed. 

Few moments later, the branch staff starts asking me to sign tax forms that said foreign tax something and I had no idea what the XXXX was that. I was told without signing that paper, the checking account can not be opened. I asked the staff to give me a copy of that paperwork so I could show it to my accountant first. Then the staff member didnt know which paperwork to give as there were two. She says, take both and that I ask my accountant which paper applies to me and sign that one. And of course se she had no clue what that paperwork was in the first place. Seriously! How pathetic! 

I called chase call centre to withdraw my checking account application but they said it can not be withdrawn until 30 days when it will automatically get withdrawn. What kind of harassment is this? My application and I can not withdraw it? Are you guys XXXX around with me? 

I went back to the branch but by then the staff members were too busy partying with each other to entertain me and I just kept waiting. 

I thought I went to chase to open a checking account and not to discuss my tax. You guys should close all your branches and open tax consultancy firms. 

Hey chase, I dont need an account in your stupid bank!

Company response to consumer: Closed with explanation