BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I just ran a credit report and found I have had a credit line with XXXX  for the last 11 months. 

I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. 

You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
Experian has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Experian reports serious delinquent payments with company XXXX on my credit report, which is inaccurate & inconsistent. I have tried numerous of times to resolve this matter with Experian to no avail. Experian is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Experian must remove ALL inaccurate, inconsistent, negative remarks showing late payments with the XXXX company, from my credit report, immediately.

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 2020-12-09
Company: CITIBANK, N.A.
State: IN
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:
Ths regards XXXX XXXX credit card XXXX MASTERCARD/CBNA XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account

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 2023-03-09
Company: Thaxton Investment Corporation
State: SC
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:
Heights Finance renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX. They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with heights was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to XXXX. I have submitted disputes for XXXX  which hve been returned as denied. Heights finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but heights misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and XXXX will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
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:
XXXX continues to call me re : XXXX XXXX Loans that were forgiven in XX/XX/2012 & they're reporting erroneous information to the credit bureaus.

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 2019-02-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells fargo bank over drafted my account due to a fraud on XX/XX/XXXX and the XXXX. I didnt know untiil XX/XX/XXXX. I was not alerted. I was in the negative of XXXX i had and amoint of XXXX because i was moving my money yo another bank due to their lies and mistakes. I found out that someone used my account and left me in the neagtive. I reported it. I won my case but they used my credit or money i won to pay for the negative balance. I recieved a. Credit of XXXX but they used XXXX to put my balance back and it left me with XXXX they said i should be happy i won and that i can not dispute what they did. This wells fargo behavior is not a suprise but in the end i still paid with the money i got back. Please help me get this amount back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I have attempted to obtain my credit report from Equifax on 4 different occassions and I have yet to receive my report. Everytime I try to access it online it will not allow me too. I have signed up for some 3rd party credit companies and based off of their site there are a lot of discrepancies that need to be fixed however I am in need of my most current up to date Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I started to invest in the website XXXX. I wire money into the account XXXX time of {$1300.00} on XX/XX/21 from XXXX XXXX, {$25000.00} on XX/XX/21 from Chase, {$7000.00} on XX/XX/21 from Chase, {$70000.00} on XX/XX/21 from Chase, & {$47000.00} on XX/XX/21 from Chase respectively. It's a cryptocurrency betting website, that there is a trend that you have to watch. If it goes up and you bet it foes up, then you win, if you bet down and it goes down, then you win too, but if you bet up when it went down, then you loose it all. I am positive $ XXXX in the online currency called XXXX XXXX XXXX that I even took out personal loans for it. {$1.00} = XXXX. Now just last week, I tried to withdraw my funds because I want to pay my loans off, I messaged them everyday since XX/XX/21 to XX/XX/21. They have stopped responding to me after notifying me on XX/XX/21 that the request for my funds have been approved. The first XXXX wire of XXXX, XXXX $ XXXX was send to The XXXX and XXXX Banking XXXX XXXX XXXX XXXX Receiver 's name : XXXX XXXX XXXX Account # XXXX The last XXXX wire of XXXX and XXXX was send to the same bank with the same swift code with Receiver being XXXX XXXX XXXX Account # XXXX. As soon as I realized that I was not getting any response from services at XXXX, I contacted Chase right away as that's where most of the wiring occurred. I was bounced around to different department and was told that none of them handles wire transfers done with the account holder 's knowledge. They can file claims for wire done with the account holder being unaware ... however, they did not have a fraudulent department that handles wires done internationally for their clients when they've been a victim of fraud. I am so lost and my hands are so tied that I don't know what to do. I took personal loans out for this and now, I'm afraid that I won't be able to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Bank of America EDD account, I live in California and somehow someone was able to make several transactions at one time in XXXX completely draining my account. I have reported this to BoA before the payments even posted and Bank of America said they wouldnt call the merchant to block or reverse the transactions and that they needed to post before they could make a fraud claim. It has been two weeks sense i made my claim and boa still has my claim processing and there is no point of contact to reach out to via phone or email to see why its still pending. They are just telling me to wait. And theres nothing they or i can do until it either gets approved or rejected. This edd program is under contract that recipients are supposed to be refunded for fraudulent claims. This bank seems to think if they leave my claim pending that they dont have to reimburse me my money.

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 2019-05-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I tried to open an online CD account with Ally bank. Ally bank confused my application w/my partner 's account & had some wrong info I assume from a previous application I made a few years back. ( this should not happen/crossing accounts ) Then the " trial deposits '' didn't work, " insufficient funds '' because ALLY was trying to pull money from the wrong account ( 5X ) & I called & called, sent e-mails, posted on their XXXX XXXX page & all they do is say " I'm sorry, please call XXXX-XXXX-XXXX ... it's takes 20 min. to get a person & that person will not tell you how long they have been on the job while they are grilling me on security questions more than 4 ... I find this abusive ( their automated system says 5 min wait, then changes to 5-10 min wait after 5 min, then 10-15 min wait it takes 20 min! ... ..I spoke to 2 or more supervisors who told me mail the check in, I did, but never got a thank you, confirmation or receipt for the money. This has been going on for one month, & Ally bank is still making " trial deposits '' which has cost me over {$100.00} in bank fees for NSF! ... .It is real scary to me that the bank is so poorly administered. There seems to be a real disconnect between on-line banking, over the phone communication and e-mails ... this does not seem safe or effecient. I am appalled. This started XX/XX/XXXX, my welcome package from Ally was received 3 weeks ago before the deposit was yet to be confirmed????.

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 2021-09-21
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day. 
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one I had years ago paid what I was told to pay and told them to closed the card I shredded the card and all and years later now in 2021 yall calling me saying I owe money when it was settle years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Rozlin Financial Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XX/XX/2021, I received a letter from a debt collector ( RFGI ) that I owed {$230.00} to a company named " XXXX ''. I immediately tried to call eharmony but there were no responses nor any valid online phone numbers. I followed up with a call to RFGI which I informed them that I did not have any services with XXXX. That same day, I filed a file report to notify my local precinct that my identity had been stolen to create this account. The case number is XXXX. 

I am requesting that your agency notify RFGI and XXXX that any charges are identity theft-related and should be removed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
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. There's late payments on my accounts and i want the late payments to be removed immediately from the account under 15 U.S.C 1666B 15 U.S. Code 1605 - Determination of finance charge. There is also inaccurate information that's reporting thats hindering my report. 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 : Remove these unauthorized inquiries that weren't consented. 
XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Please remove these inquiries.

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 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Chime Financial Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
YOUR COMPLAINT My claim and rebuttal has both been denied by my chime bank account dispute team. I asked that everything be looked over properly. On XXXX I purchased two shoes from an online store XXXX ( XXXX XXXX ) This company is super sketchy doesnt seem legitimate because they have since changed their website and email. the seller has being very deceitful. I have attached the tracking number they have mentioned with a screenshot of when it was delivered XX/XX/2021 I have also provided my screenshot of the tracking number I gave the seller that shows the items were to delivered back to them on XX/XX/2021. Along with that I have attached the screenshots of the conversation through email with the seller and I which my return was accepted and I was provided the return address and guarantee a full refund. Once I sent the item back I was ignored and later blocked I have provided that in the screenshot as well. It will also show I asked for a refund on XX/XX/2021 just days later after I received the items. No where over or close to 30 days. Shockingly chime has denied my claims when I have shared all supporting evidence and documentation. I am reaching out because this is the second time they have denied my claim when goods/services were paid by me and not delivered by the seller. the items were RETURNED because I was sent the wrong items The original purchase was XXXX in the amount of {$260.00} for the items sent not being a described. The reference number for this first claim is ( chime ) # XXXX. I then was finally able to get a return address from the seller and asked to pause the dispute ( XXXX ) I returned the items to the return address the SELLER EMAILED ME. The tracking number for the returned items is # XXXX. It was delivered successfully on XX/XX/2021. However I never received a refund so I filed a new claim for the SAME ORIGINAL TRANSACTION ( XXXX ) {$260.00} on XX/XX/2021. The seller has both the items and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}

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