BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-02
Company: SYNCHRONY FINANCIAL
State: CA
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 was told I qualified for a {$50.00} credit on my purchase if I applied for a Lowe 's credit card and was accepted, so I applied. I was denied and told, in public, in front of my daughter that I was denied. I asked if I would receive a letter. I was told " yes ''. I paid for my purchase and immediately checked my credit score because I feared fraud. My credit score was XXXX. 

One week later, I called Lowe 's to find out why I had not received an explanation ; they told me I had not been denied and that all applications were routinely placed on hold. I asked for a supervisor and I was then transferred to XXXX XXXX  ( XXXX ). I asked for a supervisor again and was placed on hold again ; after waiting 5 minutes I was asked if I minded continuing to hold ; I replied " no '' I did not mind. They then hung up. 

I called back and opened a Lowe 's Incident # XXXX ; I was then transferred to XXXX XXXX again. 

I asked XXXX XXXX for a reasonable explanation for why my application was " denied '' originally and received none. XXXX said my application was incomplete but did not require any additional information when he approved it, so that was a lie. He also said I will receive a {$50.00} credit on my 1st purchase. 

I found this entire process misleading and embarrassing in the extreme. I was on the phone over 40 minutes resolving 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 response to consumer: In progress
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: PR
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:
For 2 years I have been sending letters to XXXX, Experian and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

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 2023-04-01
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
I deposited cash {$3800.00} into ATM on XX/XX/23 XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX CA There was an error on ATM when I deposited the money. It shown there was a bill couldnt read. I waited for a while to get the unreadable bills but it didnt return to me!!. Then the ATM printed out the receipt without any money go through to my account. The receipt shows me the phone number to making a call to customer service. So I just reported to the bank. The agent said money could get back XXXX business days. So I wait until I got only {$3000.00} on the next Monday in the afternoon I called to contact the agent again. The agent said that this is the credit money if I deposit more than that after investing Ill get the money fully. Its going to take XXXX weeks she said the period how they work. So I wait until.. 

Today XX/XX/23 Its been a while I call to check the bank again. The agent said the claim is already closed nothing I can do. This is my finalized amount. I asked him to check the case again. The investigation should see the amount that I deposited on that time. ( ATM can check the cash flow during that period ) I lost {$860.00} without any reason from the agent he said sorry the claim is closed and can not reopen it. He kept sorry and sorry. I feel very disappointed how the Chase working on with an ATM error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX a dispute was filed with Chime Bank in regards to an XXXX item that was not received on and after the expected delivery date. It was for Claim No. XXXX for the amount of {$160.00}. A dispute form was emailed to and was completed and returned to Chime Claims Department the very same day. 
Regulation E of Banking Rules state that if a customer has a dispute, notifies bank in writing, is entitled to provisional credit of the amount in question. Bank has to reach a resolution within 10 days, and if institution can not reach a resolution within that time frame, they are to provide provisional credit to the customer. That wasn't done. And what's worse, Chime advised me that due to the nature of my dispute, I wasn't entitled to provisional credit and that the claim wouldn't reach a resolution until XX/XX/XXXX. Chime was confronted with the facts, but rather than come up with some competent answer, decided to send me " form emails '' repeating the same nonsense excuse. I, in addition, submitted additional information to Chime Claims, with no confirmation stating they'd received it. 
Chime is in violation of Banking Regulation E, and I demand that my funds in the amount of {$160.00} be returned to me immediately. Chime is deliberately causing financial hardship in addition to violating banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called mortgage company Loan Depot on XX/XX/2021 and spoke with licensed lending officer, XXXX XXXX ( XXXX # XXXX ). After speaking with XXXX I decided to complete an application over the phone with XXXX for a refinance of my current FHA loan to a conventional home loan. As part of the process XXXX informed me that a {$490.00} appraisal fee would be needed to appraise my home. I agreed and provided XXXX with my credit card information. My credit card was charged {$490.00} on XX/XX/XXXX and posted to my credit card on XX/XX/XXXX. The week of XX/XX/XXXX XXXX informed me that the appraisal fee would be higher and I would have to pay an extra {$210.00}. I informed XXXX that I did not agree with that because XXXX already informed the fee would be {$490.00} and my credit card was already charged {$490.00}. Please also note, I did not receive anything in writing about the cost of the appraisal fee, only information I received was verbal through XXXX. I informed XXXX that it was unfair, bad business practice and unethical to ask for more money especially since I had already been charged what XXXX quoted me, {$490.00}. I informed XXXX I would not continue with the loan application if I have to pay more money for the appraisal fee. XXXX stated they would reach out to their XXXX to see what could be done. On XX/XX/XXXX XXXX called me and stated I would have to pay the extra {$210.00} and it could be rolled up into my new loan. I told XXXX that I did not accept that and it is still unfair and not my fault. I informed XXXX that I no longer wanted to proceed with the loan. XXXX informed me to send an email stating I wanted to cancel and I would receive my refund in XXXX days. I followed up with XXXX on Monday, XX/XX/XXXX regarding my refund and XXXX informed me to " contact the appraisal coordinator ''. XXXX did not provide me a name or phone number of the appraisal coordinator. I then asked, " Who is that? '' XXXX then stated " Reaching out to my XXXX now! Help expedite this ''. I reached out to another contact that was on my application, XXXX XXXX, and XXXX stated they would escalate. XXXX also provided me a phone number to customer care and sent an email to customer care, today, XX/XX/XXXX. I also called customer care, today, XX/XX/XXXX and spoke with representative XXXX. XXXX informed me that my cancellation was received on XX/XX/XXXX ( 3 days after I emailed XXXX to cancel ). XXXX informed me that it takes 15 business days to get a refund and there is a process and nothing further they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I had cancelled my membership with Experian Credit report and received a refund from them. Every Month since then they had tried to charge me debit card for {$4.00} but the payment was always declined. Today I found that not only was charged {$4.00} but that they used a new card that i have not authorized them to use and never provided. When I spoke to customer service they told me that they can not return the {$4.00} and that I did provide the card which I knew i did not because is a new card with a service that I do not use since XXXX. I asked to direct my call to a supervisor. Supervisor, XXXX spoke to me and told me that she needed to transfer me to billing because she was not able to help me with the issue. This was around XXXX XXXX Then she transferred me to XXXX in Billing to whom i explained the above situation, she told me that this is the first case they have like this. I told once again to her that i did not provide my debit card information, neither i did authorize any charge. She asked to wait in the line and them transfer me to the direct line where someone else answered. The new person on the phone told me that they are not able to connect me with the same specialist that i was talking to. I am frustrated to identify how Experian obtained my Debit card information and the authorization. I have all the e-mails including the one yesterday where my old card was declined. My membership number with them was 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 monetary relief
Consumer complaint received 2021-08-26
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account online with Comerica Bank. I recently moved to XXXX and I would like to utilize a local bank. I also saw an ad on XXXX about {$200.00} bonus for a new account with direct deposit. After the account was approved and opened I immediately set up direct deposit so that my next paycheck would go to this new checking account at Comerica Bank. I also received a debit card a couple days later. 

On XX/XX/XXXX I called in to unlock my online access since I forgot my password and I was told by the representative XXXX that my account was closed on XX/XX/XXXX. There was no communication from Comerica Bank about this closure. My paycheck is supposed to arrive on XX/XX/XXXX and I am not short of funds to settle my bills due to this confusion. 

My account number is XXXX I can understand that banks want to close accounts due to various reasons but the lack of communication is evident of deceiving and misleading practices that can harm consumers greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts 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 accounts : XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, 2 days before the end of my grace period, I called Bank of America Home Loans to make a payment over the phone. In speaking with the representative, I asked what I had to pay to make my account current. He said {$1700.00} was due. I promptly made a payment and made arrangements to make another payment for {$1700.00} in two weeks, when I got paid. 

The representative promptly thanked me for my payment and that was it. Or so I thought. What he didn't tell me was that there was a late charge which BofA had assessed on my account that was not paid with the amount that he told me was due. For this reason, my payment was made on time, but the {$50.00} late fee was not. Although I made my payment on time, they are reporting that my payment was over 30 days late. In fact only the late charge was what was over 30 days late. This is materially inaccurate information. 

Additionally I would have expected the representative taking my payment to better explain what was due, and how I could pay it. I have no late payments over the entire course of this loan since 2010. The company will not work with me.

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 2023-04-29
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a refrigerator from Home Depot in XX/XX/XXXX. At the time, the store clerk offered me 0 % interest for one year if I opened a Home Depot credit card. I agreed, met the credit requirements, was offered a credit card account, accepted that offer, and then purchases the refrigerator on the newly-created Home Depot credit account. I then set up automatic minimum monthly payments and set a reminder on my personal calendar for XX/XX/XXXX ( when I was told the promotional rate would expire ) and then checked statements and the account to ensure payments were being made correctly and on time. After several months, everything was working fine. I still continued to ensure payments were being made, but had no correspondence with Home Depot ( other than statements ) and made no effort to reach out to them because I saw minimum payments were being made. In XXXX, after the reminder on my personal calendar, I logged in to find that interest began accruing on my account in XXXX ( 6 months before I was told it would ). I contacted Home Depot customer service and have spent several hours with them on the phone as they attempted to simply connect me with someone who had the capacity to adjust my account to match the original terms of the agreement. The customer service representatives have told me that they can only make adjustments back for 2 billing cycles, and since I waited longer than that, they can not help me ( note that the promotional periods are in 6 month increments, and there is no explanation why Home Depot has this constraint ). They have also said there is no number I can call other than the general customer service line to avoid longer wait times. 

I have made several attempts to resolve this through the secure message feature on Home Depot 's account website, as well as either answering or calling customer service on at least a dozen occasions. Home Depot has made no real effort to address my concerns, and at this point has reported my account as delinquent with credit agencies. I think this constitutes defamation and is impacting my ability to engage in business activities for a sole proprietorship I own. My credit score has been above XXXX, and often over XXXX, until this dispute.

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 2022-06-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 2021-08-26
Company: V and H Portfolio
State: PA
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:
The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation