BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been in contact with Care Credit Synchrony Bank since XXXX XXXX. XXXX XXXX sent me a letter notifying me that I overpaid XXXX on my XXXX payment for XXXX XXXX purchased in XX/XX/XXXX. However, the account ending in XXXX has numerous balance transfers on it from XXXX XXXX Bank MasterCard ending in XXXX that I did not do or approve. I sent numerous letters asking for transaction information for these transfers and the company sent me the elctronic payment virtual checks dated XX/XX/XXXX stating XXXX was the Payment source to the XXXX account with a merchant ID blacked out except for XXXX ending numbers. I have no record of a XXXX   card during this time and no idea what merchant ID represents. I sent another letter to XXXX XXXX of the President 's office on XX/XX/XXXX sharing that I made a XXXX payment from my credit union in VA and those XXXX payments made XX/XX/XXXX funds showed up in CT XXXX XXXX account ending in XXXX that was dormant since at least XXXX ( I opened it in XXXX with my mother ). They are listed as a credit card payment and on XX/XX/XXXX listed as a returned item deposit?? How could this be? The check number is XXXX and I have no idea what or where that came from. In addition, there was a new care credit opened in my name that I have no idea about with a log in of XXXX and password XXXX that does not open the page saved in my XXXX password. I asked the secret service for help in VA and they shared the log in looks like a routing number. They have not responded to how the payments went from my credit union to XXXX Bank in CT to an account I have not accessed since XXXX? Those records are easy to retrieve. It was assumed dormant. XXXX XXXX, a family member did access those accounts in CT and opened numerous cards in my name with a false address in CT while I lived in VA. The secret service reported frequent balance transfers may be indicitive of laundering. He is being investigated for XXXX of checks made out to him and cashed at the teller from XXXX to XXXX ending in XXXX. He closed both accounts in XXXX, however, I requested records and need to know why Synchrony is not responded to my question. How did my payment go from my XXXX XXXX XXXX made XX/XX/XXXX and credited to hearing aid account balance and end up on XX/XX/XXXX and XX/XX/XXXX in a XXXX account in CT I had not accessed since XXXX? I did not have an XXXX XXXX card that was used to make a balance transfer payment of XXXX to XXXX XXXX XXXX Master card I also did not have access to or records will show use? Please investigate this fraudulent transfers? XXXX XXXX has not responded to my letter with records dated XX/XX/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 2019-03-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a {$200.00} payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Banking regulations prohibit the holding of funds deposited from a US Treasury issued check for more than XXXX hours, regardless of amount. On XXXX I deposited a check from the US Treasury. 50 % of my check was withheld. 

on XXXX I requested the funds be released in accordance with US banking regulations. USAA denied the release and insists on holding the US Government funds until XX/XX/23. 

I advised them of the US Banking regulations and gave them reference to show government issues funds can not be held and they refused to release teh funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: OH
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:
Someone tried to open a credit card account in my name through JPMCB CARD on XX/XX/2023. I found this in XXXX XXXX XXXXXXXX XXXX. I called JPMCB in XXXX to inform them of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This card offered a bonus cash reward of {$100.00} if your spent a certain amount which I did back in early XXXX. I inquired with the Bank back in XXXX and still waiting for a resolution. The marketing of the cash back reward appears as a deceptive practice as the reward is not paid in a reasonable time frame and resolving is taking an unreasonable time at this point. Perhaps their practice is to delay, delay in hoping cardholders will just close the card without receiving the reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXXXXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines

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 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2018-05-10
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. P.o.box is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning XXXX the IRS and check the books on all adults ssi paperwork and income and you'll see.

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 2023-09-27
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got 6 emails this morning, XX/XX/2023 describing the opening of a bank account in my name with my email. They then changed signed up for mobile banking and changed the email with the account. I then looked into what to do and came here.

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 2023-11-10
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
First I went onto their website to do an online application. The system stopped me and kept saying to finish the application with a home loan expert by chatting or calling. I chatted with them today and XXXX XXXX walked me through starting a new application. My chat ended with her and then I ran into the same problem of their system telling me to finish the process with a home loan expert. XXXX XXXX told me to contact a XXXX. I did that. I emailed him. But then I recalled an email telling me to contact XXXX XXXX. I did that. I told them, " Good afternoon. The other day when I spoke to you, you said I had a dispute on my account preventing you from processing my application. 

I do not have a dispute on my account and I confirmed that with the credit bureaus. Can you please process my application. '' I took a certified HUD counseling class. I am working with the HUD certified counselor and my action plan says I had nothing stopping me from moving forward with purchasing a home. In my action plan, it tells me to get three preapproval letters from 3 different lenders. Rocket Mortgage is purposely delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has again reported false information to my report. XXXX XXXX XXXX account is an installment loan and Equifax has it as a revolving line of credit. It is an auto loan not a line of credit. Also the monthly payment is wrong. My monthly payment is XXXX. I have been in direct contact with the credit reporting department of XXXX XXXX XXXX for XXXX months now. they did not report this account this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: IQOR US INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX, a XXXX XXXX XXXX XXXX. XXXX was sold to Allied Interstate LLC. I paid the debt off to Allied Interstate, but it was not reported into credit. When I try to get a XXXX XXXX XXXX Credit Card is still deny the application due to default debt with 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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XXXX of XXXX the XXXX to be exact- an unauthorized wire transfer was made from my chase bank checking account for {$9100.00} dollars. 

I was alerted to this when I received a low balance notice from my bank. I was later contacted by someone who claimed to be working with Chase bank to check the authenticity of the wire transfer. I made it clear to them at the time that I didnt authorize the transfer. I was having trouble accessing my account as it had been locked due to suspicious activity which the person had assured me this way would help me fix. After that they asked me to verify my account details, such as card number, account password,- which they helped me reset- PIN and amount of money that had been in the account at the time of transfer. I provided the information. 

I was then told I would receive paperwork to continue with the claim as well as a new debit card. Neither of those things ever came and when I contacted XXXX again to check the status of the claim, they told me that they couldnt approve the fraud claim because a XXXX time password/ XXXX ID was used at the time of the transfer. 

I believe that the person I spoke to on the phone about the wire transfer to begin with was a scammer and used the onetime password and my facial recognition while we were on the phone to take that money from me. 

When I brought this up to XXXX separate Chase customer service people they said that because the XXXX and Face ID were used at the time of the transfer despite me telling them repeatedly that I did not authorize it, there was nothing that could be done. And I was advised by someone to reach out here. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.

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