BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a call from a nice lady that worked at Citibank Wire fraud department and she emailed me a document to sign and send in, however I noticed that it wants me to get it notarized. I can't do that I currently have XXXX. So I faxed it with my ID to prevent you guys from closing the case. She called me on XX/XX/XXXX and I just faxed the paperwork on XX/XX/XXXX at XXXX PM XXXX. 

I also received a notice that you took the provisional credit of {$1500.00} out of my son 's account due to you stating that we have possession of the card. THAT's NOT TRUE. HE LOST HIS WALLET ON XX/XX/XXXX AFTER HE LOST IT AT A GAS STATION. 

I have repeatedly stated this. At this point pull video surveillance he did not do this nor authorize or was in cahoots with anyone. He never received the {$1500.00} he never orchestrated a scheme from the bank. 

He can't sign the form as he's currently hospitalized for XXXX as he has underlying illness of XXXX. I'm joint owner on this account and I can sign on his behalf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This isn't a priority for him but it is for me this is my reputation and I'm not letting this go. 

I'm disputing the following items 1. {$4700.00} wire transfer 2. 2 Checks that were deposited for {$17000.00} ( Uncertain as I can no longer see that account activities ) 3. {$1500.00} ATM Withdrawal

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 2023-07-15
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have spoken with Nissan motor acceptance back in XXXX on the improper use of my credit report. I have asked that they follow the law and remove all transactions associated with my account as I do not give them permission any such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 2021-10-12
Company: Lendmark Financial Services
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I bought the 2003 XXXX truck on XX/XX/XXXX. It immediately had to go to a shop for squealing noises that the dealer said he would fix but did not. I had to get the bearings replaced. The very next week the radiator blew out and my husband had to fix it himself so we weren't stranded. We took it back to the dealer to fix and he kept it for three weeks. After he gave it back with the steering wheel upside down, we found out that he never told the shop what was wrong with it and they obviously didnt drive it or they would have known the engine was gone. We were told that the coil packs were changed and another part was fixed. We never saw anything like a receipt or proof of what was said was done. A day after we got the car back it started acting up again. Doing the same thing it was doing when we gave it to him. We took it back yo him and he told us that he couldn't keep taking loses and said he wasn't fixing it. Due to the fact that it is our only car we took it to a mechanic to see if we could get it fixed ourselves. We were told that we needed a new motor because two cylinders are gone as well as a new power steering pump because it broke due to the work that had been done to it. My husband and I are low income and don't have XXXX dollars for a new engine and XXXX for the car loan at the same time. The dealer knew he sold us a lemon and when it came time to make good on the warranty, he kept it to run the clock out and dump us to the curb stuck with a car thats no good. He took our trade in said the price was one thing and then it was different when we signed the papers. My husband lost his job and we are suffering health wise from the fumes that are burning off the busted engine. We have no other transportation so even my children are forced to ride in the car putting their health at risk as well. My husband cant seek gainful employment due to not having a reliable car. He is severely limited in jib selection which is further hindering our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 Consumer Protection Agency Please Help! 
In XX/XX/2019 I arranged for repair work for my home. The company doing the work arranged the financing of {$3800.00}. 
The payments contracted to Syncrony Bank in the amount of {$110.00} a month began in XX/XX/2019 due on the XXXX of the month. 
In XXXX the statement requested a payment of {$140.00} due to additional interest. I called the company but was only able to press number after number to a recorded message requesting the payment of {$140.00}. 
XXXX statement requested a payment of {$180.00} which included additional interest and a fee of {$38.00}. 
XXXX statement requested a payment of XXXX. Additional interest and fees. 
I was finally able to talk with a human being when a representative called me. He told me that any additional charges are treated by the Bank as purchases which accounts for the higher payment. I explained that I am on SS and do not have the financial ability to make such an increased monthly payment to which his reply was sorry. 
XXXX statement requested a payment of {$300.00}. 
XXXX statement requested a payment of {$360.00}. 
On XX/XX/2019 I received a call from a Syncrony bank representative asking for my XXXX payment. I told him I had been making my {$110.00} payment every month, and the one for XXXX had been sent. He told me since I hadnt paid the additional fees and interest, my payments were not accepted as the monthly payment. 
9 x {$110.00} = {$1100.00}. ( Paid YTD ) Original loan amount of {$3800.00} - {$1100.00} = {$2700.00}. 
My XXXX statement balance is {$3200.00}. So my balance is not going down and my payments are dramatically increasing. 
I dont understand this and I am very fearful that this company may eventually leave me among the homeless. I have experiences during my lifetime that showed me most of the laws and regulations favor businesses, institutions, or the government. Not a simple citizen.

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 2023-03-02
Company: EQUIFAX, INC.
State: NV
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:
These companies obtained my report without my consent or knowledge 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called Franklin Collections on XX/XX/2021 about a dispute and the representative failed to state the FDCPA. I called to inquire about having a debt removed once paid and at this point since she violated I shouldn't be held responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX, after receiving notification of a person fraudulently applying for a credit card using my information, I placed a fraud alert on my credit with XXXX, XXXX, and XXXX. On XX/XX/XXXX or XX/XX/XXXX, ACE Cash Express granted a fraudulent payday loan to a person using my name, date of birth, and social security number. The funds, more than {$2500.00}, were deposited into someone else 's bank account. The fraudster used their own bank account number, home address, and driver 's license. The customer service representative stated that the loan did not go through the usual verification process before it was transferred to the thief 's bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
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 illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX ; Date Reported : XX/XX/2023 ) without my knowledge, written or verbal consent to my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX and XXXX 2023 our 2 checking and1 savings account money was stolen from our account. The accounts were linked. 
This happened at Chase bank at XXXX XXXX XXXX XXXX. XXXX, Il XXXX. 

Total amount stolen XXXX Account Ending in XXXX - XXXX. 
Account Ending in XXXX - XXXX. 
Account Endng in XXXX - XXXX. 
Total of all 3 accounts - XXXX. 

Chase says they looked into the loss and that I had stolen the money because my Pin was used. 
We went into Chase to appeal. The person that helped us looked at the activity and determined that it was not our fault. They called Chase fraud and had the case reopened and explained why. 
-The person that drained our accounts used XXXX XXXX. We have been with Chase for YEARS. 
- We have never used XXXX. 
- Why didn't Chase fraud see this unusual activity??? This all happened within 24 hours. 

They denied us a second time, same reason. 
This happened at the branch address above. They should be able to get pictures of this person. 
I am opening a police report tomorrow, please call me at XXXX with a incident report number if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Bank issuer of the CareCredit card owes me {$550.00} worth in rewards. I faithfully and without fail used by card to earn points in full accordance of their reward program. My account without any warning whatsoever was unscrupulous closed by Synchrony on XX/XX/2023. 

Unknown to me that the account had been closed, while traveling on business, I was reviewing emails. I received an email stating I had reward points to redeem. As I really did start the review process a few days prior, and in a haste to stop wasting time on the internet, I needed to pack, and I thought I will pick a reward, gift cards later. 

On the night of XX/XX/XXXX I received the email while in my hotel. I thought, well, I am on the trip, the stress to pack and get out is over, let me have a look and pick some gift cards. I attempted to log in to find my rewards were XXXX! 

Imagine my surprise!! I then noticed on my Syncrhony Master login, that all of my Synchrony cards had XXXX available credit. I honestly chalked it up to a system error with the bank and called it a night. Turned off the laptop, watched tv went to bed. 

It was not a system error. In fact Synchrony in one fell swoop shuttered all 11 of my cards with them. No reason other than, " high risk for failure '' - ok whatever, that is your opinion of me. It is dead wrong and totally unfounded. Closing my accounts is a business decision. 

However, I EARNED MY POINTS fair and square! I earned them over the course of several years. 

Yes, terms of that card say, when an account is closed all points are forfeited, however, I was NOT given a fair chance to redeem my points. I was BAITED with " you have points '' and then that SAME DAY the account is closed and points are forfeited. At best this is unscrupulous, mean spirited, unfair, borderline unethical. 

I have learned by DIRECT CALL, when I attempted to get my points redeemed as intended as earned, that if a consumer calls to REQUEST account closure, there is a script an agent reads to advise consumer to redeem reward points or lose them.

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 2021-10-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
on XX/XX/2021 a friend sent me {$100.00}. i can't retrieve it. i have tried to change password and think it is ok but the help desk can't understand a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-06-18
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My account was fraudulently accessed and XXXX XXXX XXXX XXXX for {$1000.00} dollars each occured. I have tried to handle this with Frost bank however they have inaccurately deemed that the transactions were purposely made. I have called repeatedly to no avail and they have not provided any evidence to prove their case. They give vague details and I'm left with little to no information and {$2000.00} missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Credit Technology, Inc.
State: TX
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 did not authorized an inquiry from credit technology, id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I am writing to dispute an unauthorized inquiry on my credit report. On XX/XX/XXXX American Express pulled my credit report and noticed a credit inquiry that I did not authorize. I contacted American Express regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. At this time, I am requesting that you launch an investigation into the inquiry by American Express Name to determine who authorized it. I never authorized this company to pull my credit profile. I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 
Thanks in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reported multiple times to all Credit Reporting Companies ( Equifax, XXXX, and XXXX ) that XX/XX/XXXX Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

Company response to consumer: Closed with explanation