BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got a personal loan with XXXX XXXX /syncronic bank , about 2 years ago. 
I called on XX/XX/2018 asking for an extension to make my payment because I got sick, I was at the hospital and with the XXXX and with multiples doctors. I am still in really bad situation. I have the copies of all my medical records. 
This company announce sales of furniture with zero interest and I got a room set about two years ago .Until XXXX my debt was {$880.00} and they added an amount of {$1100.00} for Interest charge on XX/XX/2018. They did back date charge interest of 29.99 % adding in my account this interest an now my new balance in {$2100.00}. 
l 've been calling customer service. I spoke with XXXX and other ladies and nobody wants to help me. How come they increase my balance when I am calling for help because my health conditions? 
Please I need your help. As I wrote before I have copies of all my medical records. 
please do not add such amount of interest on my account and in this moment when I really need help. Please send this letter to the Manager or Directors of the company. 
I really need somebody who can help me read my letter. 
Thank you I appreciate your 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 monetary relief
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: NY
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:
I was shopping online for cotton clothing. After my purchase, new items displayed ( cotton ) and I thought I was still on same site but in actuality, I discovered, after I made 2 additional purchases, that I was on a different site, namely XXXX. When I got the the first delivery I realized XXXX were scammers and contacted them to cancel the 2nd order and return the first. They wouldn't let me. They said the 2nd order is on its way, and I will only get refund if I ship to XXXX. I contacted Citi Bank to displute both chareges : 1. XX/XX/23, {$74.00}, XXXX XXXX WA, dispute # XXXX 2. XX/XX/23, {$89.00}, XXXX XXXX WA, dispute # XXXX Citi contacted the merchant and decided in their favor. 
I wrote Citi again explaining the merchant used canny methods to get me to buy ( pretending to be another company online ) and then wouldn't let me return the goods for a refund in a reasonable manner ( without paying shipping cost from US to XXXX ). 
I looked up the merchant on the XXXX and it has many reports of scamming, it has a rating of F, but still Citi sided with the merchant only because the merchant is wise enough to have all the required information to show the bank they are legit. 
I have been a Citi card holder for the longest time and I expect they will protect me in the case of such a scamming merchant.

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 2022-12-14
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
To Whom It May Concern, The following accounts were listed as charged off as of XX/XX/XXXX by XXXX XXXX XXXX. 
Since then, the account has repeatedly been updated as charged off ( c/o ) several months after original charge off. This is an update in the payment history. I understand that charged off accounts should not include any active payment history. This falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : 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 2022-12-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was involved in a fraudulent gift card scheme. I obtained an email from what I thought was paypal indicating fraudulent activity on my account. I logged into my paypal acount and noticed there were 4 suspicious transactions. I then contacted the number on my email as I had falsely assumed that paypal had reached out to me. I was then connect with the scammer who then discussed my suspicious transactions and transferred me to who I thought was chase fraud. This scammer represented that my account was compromised and I was transferred to who I thought was a federal agent. They then said to secure my funds as my account was compromised I purchased prepaid amex and visa credit cards. I then provided these numbers back to the scammers on the phone. Once I realized what was happening the money approximately {$15000.00} had been removed from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed disputes with Wells Fargo since XXXX XXXX. Theyre claiming that I authorized a transaction that was sent to me cia text aa a fraud alert,. I DID NOT AUTHORIZE THE TRANSACTION!!!! I DID NOT RESPOND TO TGE TEXT!!!! I called immediately after the fraud alert! XXXX even has proof that i was not the person that verified the transaction! Wells Fargo is still denying to give me the funds back! I dont know any XXXX XXXX XXXX that is the person that used my debit card under there XXXX account! XXXX is more than willing to share all information with Wells Fargo! Its ridiculous that i have to go through this! Im sure i am not the only Wells Fargo customer with this problem! Wasnt well fargo stealing money from there customers before?! Ive been with this bank since XXXX and i never felt so abused by this company. Im am not going to stop fighting this! I have been trying to be so patient! I may have to get a lawyer involved because this is hurtful and ridiculous! {$2500.00} is a lot of my to steal!!! I want my money back! Im still waiting for Wells Fargo to give me the money back. Im so tired of being hurt by this bank!

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 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 2019-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I ( customer ) signed up for a checking account through Chase Bank to take advantage of one of their promotions. After having the account open for 8 months ( or longer ) I visited a local branch to see about getting some checks. Having difficulty verifying me as a current customer, the teller told me my account was closed. When I called Chase Bank customer service ( XXXX ) to discuss the issue, I was alerted my account was closed due to inactivity. I then spoke to personal banker at the branch who told me the same thing. I inquired if Chase Bank could furnish me with proof that I was alerted that the account was " IN DANGER '' of closing due to inactivity. Furthermore, I also asked if Chase Bank could furnish me with proof that I ( customer ) was alerted that the account was ACTUALLY " closed due to inactivity ''. No one at Chase Bank could furnish proof because I ( customer ) was NOT alerted in any way, shape, or form. I ( customer ) firmly believe this is an express violation of my rights as the account owner since I was NOT alerted of the account closure either before OR after. None of which took place! Please dont allow Chase Bank to hide behind verbiage like inactivity and hold them accountable for acting fraudulently and not in the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account is XXXX, My paypal account is permanently restricted, but I don't know why, I didn't violate any paypal company 's rules, but they just restricted my account permanently, this caused me a lot of damage, they shouldn't make arbitrary decisions like this, every arbitrary decision they make will cause me a lot of damage, I need to continue using paypal to pay online I am an XXXX XXXX  and I need to use paypal to buy goods from other sites, I don't understand why paypal would restrict my account because I didn't violate paypal 's rules

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
We have incorrect information being reported to the insurance companies by LexisNexis. 

This has caused a denial of coverage and an increase of over 300 $ per month in our current insurance premiums. 

It was reported that my husband was at fault for an auto accident that took place in XXXX of XXXX. This information is INCORRECT!! 

My husband was rear ended by a company vehicle. The other driver was at fault. 

The report also lists that he was involved in 2 at fault accidents on the SAME day, in XX/XX/XXXX, this is incorrect! He shut the garage door on the trunk of the car and we filed a claim to fix the dent. There was no accident, it was a comprehensive claim only for damage caused by the garage door. 

I included a copy of the insurance denials and the reason, and also a copy of the claim paperwork from the insurance company that shows the at fault party being the other driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Second Round Limited Partnership, Austin, TX Branch
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, Second Round Llp, filed a civil suit at my local court regarding a debt in the amount of XXXX. I have not received correspondence from this company validating this debt. Second Round LLP buys old debt and tries to collect. I get robocalls all the time but not sure if it is from them since no company information is given. I do not even know what this debt is for. I sent correspondence on XX/XX/XXXX for immediate validation of this debt. They have also put a negative remark on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-31
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: Information is missing that should be on the report

Complaint:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/2022 I used my credit card as defined under the 15 USC 1602 ( a ) ( l ) to extend myself credit through Barclay Bank for JetBlue Card. I do not understand why a denial occurred because I act on good faith and good credit.

I believe this is discriminatory and unlawful pursuant to 25 USC 1691 ( a ) ( 3 ). As a consumer and creditor, I extended my credit, you did not ask me for my credit report as the one with first hand knowledge of my credit worthiness. I DID NOT benefit from extending my credit to you as the consumer and cardholder.

I believe that this is an error Barclay Bank can fix. To preserve the judicial economy and save us both time and money in court. Barclay will remedy this error by : Issuing a credit card for {$20000.00} Barclay Bank JetBlue Card sent to the contact information/address stated on the credit card application. 

I look forward to hearing from you within 30 days, pursuant to federal law.

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 2022-03-14
Company: OPTUM BANK, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had put money into a transportation reimbursement account through XXXX, my old job 's payroll vendor, which was managed by Optum Bank. I had {XXXX} left in the account when the firm I worked for shut down. At some point in XX/XX/2021 Optum Bank said they had returned my money to my old employer, but my old employer no longer existed. I have tried multiple times to get a straight answer about where my money is and have never received one. I followed up with XXXX and they said that the money was irretrievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: TX
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:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was already satisfied, however event free many attend the debt having remove from my credit report, proved of payment made havent persuaded the creditors monitoring agencies to remove such negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.

Company response to consumer: Closed with non-monetary relief