BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I was contacted by Synchrony Bank regarding the past due balance on my Care Credit card. At that time they gave me the option to make 6 prearranged, direct debit payments toward my balance in an effort to get the balance current and pay down the amount owed. I agreed to the arrangement and the payment amounts that were quoted to me. Subsequently, I have made all of the payments, on time, yet my balance has continued to go up and is now higher than it was when I began the payments. I contacted Synchrony bank on XX/XX/XXXX to try and understand why this was occurring and was told that if the payments made were not full payments, I would be charged late fees which amounted to more than half of the arranged payments. I stated that they dictated the payment amounts of the payment arrangement and all were made on time so I did not feel that late fees should have been charged. They then told me that they would file a complaint regarding the fees and would contact me further regarding the outcome. I was never contacted. I just received another statement from Care Credit and my balance has once again grown. I called again and was told again that even though I paid my arrangements on time, as they were not full payments (? ), late fees would apply. 
My initial credit limit on this card was XXXX which I used for critical dental work. I have made sincere attempts to pay off the account. I was able to check my bank statements and have the dates and amounts of the payments I have made and confirmed those with Synchrony Bank. 

XX/XX/XXXX XXXX Initial payment of arrangement XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These payments total {$590.00} yet my balance is now XXXX. They were all made on time and in the amount dictated by Synchrony Bank at the time the arrangement was made. I have paid off two other credit cards during this time using similar arrangements without any issue. I am sincerely trying to get my credit in better standing and pay off outstanding balances but Synchrony Bank continues to add fees and my balance is never reduced.

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 2018-10-17
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
On XX/XX/18 my Amex card was charged for a Condo I booked through XXXX XXXX XXXX in XXXX XXXX, AL. On my way down ( XX/XX/18 ), I text XXXX XXXX of XXXX XXXX XXXX requesting the information needed to get into the Condo. She immediately admitted that there was an issue and that she overbooked. She later tried to say the Condo had flooded. At this point, she took my credit card number and booked another condo through Vacation Rentals By Owner. She did so without my consent. I thought she booked through another agent and was going to use what I had already been billed for to cover the cost. She also promised me a XXXX dollar credit because the first night was spent in a dump and nothing close to what I had booked. My Amex card was then billed for XXXX by XXXX. I did not learn this until my Amex bill came in on XX/XX/18. I worked with the merchant through text and phone calls in an effort to clear the matter up, and finally gave up and started calling the merchant at XXXX to clear things up. I finally gave up when nobody was willing to help and disputed both charges with Amex ... the original XXXX from XXXX XXXX and the XXXX from XXXX. I have numerous text proving that I do not owe both properties and that I am due a credit of XXXX from XXXX XXXX. I explained the situation to Amex and they said they would invistigate. The only communication I have received from Amex was a letter saying the charges were removed until further notice. I finally reached out to them our XX/XX/18 to see if they wanted any of the text that I had between me and the two property managers. They said sure, but when I was able to submit it this past Monday, XX/XX/18, they had closed out the dispute. I received a letter today that said the investigation was closed and that I had booked both properties. In that letter alone there is a lot to be questioned. For example, the spelling of the receipts they were provided had two different spellings of my last name. They also never checked the IP address where the properties were booked. Nor is it possible to get through to the merchant on the phone number provided on line. They simply either did not investigate at all or somehow had another contact number for XXXX at XXXX XXXX XXXX and took for her word as the truth. They summed their report of by saying that the properties were less than six minutes apart and I booked both. Very Very poor investigation. I have countless text to prove that I only booked one property and the events that occurred after. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I requested my HSA funds from XXXX XXXX  be transferred by check to my new XXXX HSA account. However, XXXX sent the check to the wrong bank, BMO Harris. BMO Harris cashed a check that was not written to them as it was written to XXXX XXXX FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by BMO Harris. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and XXXX is refusing to do what the other two banks recommended ( fill out the fraud form ). Essentially, BMO Harris has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by XXXX. XXXX is refusing to file the fraud form. They are telling me I can't fill the forms out since the check was technically written to XXXX and not me directly even though my name is also on the check as the FBO. Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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've identified several accounts that are currently appearing on my credit file that do not belong to me. I've attempted to settle this matter with Equifax, XXXX, and XXXX, but I have not been successful with having the fraudulent items removed from my credit profile. The items are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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:
Equifax you are reporting XXXX XXXX on my report but there is false incomplete information .Remove this account for violation s.enclosed are the documents show my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
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:
IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX CREDIT 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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on my credit report

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, I just received a notice from chase that my CL on my chase freedom account was decreased from {$3500.00} to {$1200.00}. I am very confused as to why this happened. I recently made a payment of {$2500.00} which brought me down to {$850.00} which also brought my itilization down. I called the XXXX number and was told in order to possibly reinstate the limit there would be a hard pull on my credit report which i find to be not only unfair but very detrimental to my credit score. I have never missed a payment, i always paid on time and i have been banking with chase for several years. I would like to get it reinstated if not i may consider just canceling this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a payment from another person via PayPal. I was notified of the payment transfer because PayPal sent me an e-mail stating the I received the funds. However, when I logged into my PayPal account, my PayPal balance or activity did not reflect the transaction. As such, I followed up with PayPal by placing a call and inquiring of the missing funds. PayPal agreed that they did send an e-mail notifying me that the funds was sent, but unfortunately can not track the payment made. PayPal states this is possibly due to a glitch on PayPal 's end. As such, the payment was lost, so I never received the funds, and the person that sent me the funds lost the amount because I never received this amount. 

When I asked to file a formal compliant with PayPal, PayPal states that they do not have a formal complaints process and customers may only speak with Managers. In addition, PayPal does not have process to receive and escalate these disputes or complaints. 
I spoke with Employee with ID # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I, Am writing this letter for a family member who doesn't speak English. 

On XX/XX/2018 estimated cost {$55.00} I Six months ago helped a friend purchase a car from XXXX dealer On XXXX XXXX. I am limited of understanding and Speaking English, but with my limited English I was assured my name would be taken off the car and placed in my friends name. On XX/XX/XXXX we went to the dealers and I took a translator, since they could not provide me with one the first time. I was informed my name could only be taken off if truck was traded in and a new car was purchased. My friend and his cosigner agreed to this solution. I left truck at dealer with keys with the intention that issue was taken care of. The next day my friend showed up at work with the car he was purchasing from dealer, so I went to dealer that after noon at XXXX XXXX. to sign paper work and received copies that it was out of my name and had no worries everything was taken care of. It is now XX/XX/2018 and I received a phone call from a representative by the name of XXXX ( XXXX XXXX ) who speaks some XXXX  stating I need to pick the truck up, since the deal did not happen with truck trade in. I am confused I witnessed a signature that allowed my friend to drive away in a new car from dealer and witnessed the car in the parking lot of our Job. Are sales representatives there to give false information to buyers so they make a sale or are there laws, which protect the buyers of being told the truth at the time of purchase?? The truck is still on your premises and I contacted the financial company and a lawyer to see what my options are. I will go on Friday to speak with the manager who assured me all was good, so he can explain and give me reasons on why I was lied to and tell me to take the truck and nothing your company can do for me but tell me lies. I am ready to hear this on Friday I have no high expectations nor expected any help from your dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021, I made a transfer of {$5000.00} from my XXXX BOA prepaid account to my sister 's BOA checking account. I've attached a photos of the transaction. I borrowed money from her and was paying her back. When the transfer reached her account, Bank of America closed her account permanently due to suspicious activities. She has been with BOA for more than XXXX years. She went in and explained it to them, they still kept it closed since i wasn't there. I stay in XXXX XXXX, she lives in Texas. 

Then they kept the {$5000.00} transfer stating that transfers from XXXX  prepaid account to others account aren't authorized. I wasn't aware of that policy, since I always transfer funds from there to my regular credit union checking account. 

Bank of America didn't even send that money back to my prepaid account, they just kept it. I called the BOA prepaid customer service and was told that i needed to file a claim in order to get my money back which i did right away. every week i kept calling and was told no number has been assigned to the claim yet. Then was told a wrong claim was filed, then they filed another one. couple of weeks after, i called and was told the claim was denied. I asked why and was told she couldn't see why. then she said she reopened the claim and asked for it to be reviewed. Then nothing. 

I really need those funds during these hard times. I really don't understand what is complicated about this issue. Even my sister 's account shouldn't have been closed permanently. She went in and explained it to them. 

Thank you.

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 2018-04-20
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX   how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX  and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it, its giving me headaces and causing actual damages to my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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:
I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.

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 2021-06-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT!! TO INCLUDE REQUIRED THE METRO2 SYSTEM!

Company response to consumer: Closed with explanation