BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had an account with PayPal for years and utilized their option to pay over time with no interest if paid off within 6 months. Recently despite several calls to the company each month requiring 30 or more minutes each time, they continue to allocate payments to the most recent charge, not the one that is required to be paid first in order to avoid accruing interest charges. There is no way on their site to allocate the payment amount yourself and despite repeated requests to pay off the charges by length of time posted, they continue to pay the most recent charge first, clearly in an attempt to catch the lender out and charge interest even though the amount should have been paid off.

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 2022-07-20
Company: I.C. System, Inc.
State: FL
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 left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX  over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX  collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. 

Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.

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 2023-03-07
Company: WELLS FARGO & COMPANY
State: MD
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:
Hi- I have a Wells Fargo XXXX XXXX rewards card and under the card 's rewards program, every time you earn XXXX  points ( i.e., spend {$500.00} with the card ), you get a " stamp. '' After accumulating 10 stamps, you get a {$110.00} credit for a room night at a hotel on XXXX that accepts these stamps. The problem is this, while the credit card statement Wells Fargo issues includes the number of stamps you've earned in the current cycle, it does not include any points information. For example, if you spend {$200.00} in a cycle and have earned XXXX  points, that information does not appear on the statement. You have to track it yourself, which makes it easy for Wells Fargo to mistakenly ( or purposely ) fail to issue the correct number of points and stamps. I spoke with a Wells Fargo representative and they told me there was nothing they can do about this. Is this something the CFPB can resolve with Wells Fargo? Please advise, 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )

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 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
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 have a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted

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 2023-01-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Taking a down payment in a consumer credit transaction a violation 15 USC 1605

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 2023-03-08
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The credit card company did not increase the credit limit despite its promotional promise and customer service assurances.

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 2023-06-07
Company: Chime Financial Inc
State: FL
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:
On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. 
When I submitted the transaction, I noticed XXXX charged me XXXX. 
I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. 
Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. 

Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. 

A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. 

I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. 

Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. 

I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. 

I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. 

I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I use the pay anyone feature in my Chime app to send {$720.00} to my sons mobile number but to my dismay when I entered my sons mobile number nothing showed it was just his number and it said to confirm pay so when I hit confirm pay the payment was sent and then thats when a name pops up a name of a person that I do not know it was the name to the person that still had their chime account linked to the phone number that I was just issued on XX/XX/XXXX I sent chime the documentation that they asked me for which I then reached out to the recipient requested the money back and they didnt reply back I also sent them a receipt of when the number was issued so that they could see that I didnt know the person that was still connected to my sons account iContacted chime immediately they did nothing about it I told chime that I could verify the phone number they sent the money to wrong recipient it went to the account not the number. put that they sent the money to because the recipient was the wrong person yet they did nothing about it they tried to contact the person on the other end but they couldnt get in contact with her because she didnt have the phone number any longer the number was just issued to my son which is XXXX and wasnt old enough for a Chime account Chime refused to give me provisional credit why why they investigate the matter which they said it will be thoroughly investigated by XX/XX/XXXX but this was just XX/XX/XXXX I feel that the recipient should be at fault as well because she saw that I requested the money back a million times its unfair and is just not right chime denied the dispute immediately without even thoroughly investigating because if they sit down and looked at the facts then it wouldnt be an issue or error on me yeah I also sent chime to where you know every time the recipient try to make a a purchase or a transaction it will come to my phone number and she was trying to spend my money on {$100.00} on TikTok or you know Im saying I was blocking the transactions because I still had the number but I didnt have access to her chime account and I show chime all of this a team member even checked and saw that them that I entered a mobile number not a member chime member into my app and saw that the money went Straight into the account I didnt pay through my checking account I paid why enter my sons mobile number that I was 100 % sure belong to him

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-02-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX To Whom it May Concern : I write to request that you urge the Biden Administration to modify the Public Service Loan Forgiveness ( PSLF ) program such that periods of full-time public service combined with periods of forbearance and/or deferment would count toward PSLF, regardless of whether payments were made during those periods. 
I graduated in XX/XX/XXXX with my XXXX  of XXXX XXXX and began working in XXXX XXXX six months later. Ive been in XXXX XXXX XXXX since that time and due to the pay of this chosen career have had difficulty paying in full towards my student loans. Throughout multiple contacts with FedLoan to assist in my payments, I was advised to defer or place my account in forbearance while working to help me financially. 
Currently, only 48 payments in my 12-year work history will count towards student loan forgiveness. I was steered by my loan company to go into forbearance or deferment unaware of the long-term consequences. I have dedicated my career to public service, working with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sat in hospitals, jails, emergency rooms, court rooms and dedicated my time and energy to the people in our country. 
Due to policies that were advised by this company ( FedLoan ), many people including myself have been unable to achieve the promise of student loan forgiveness. My applications have sat for months waiting to be resolved with very little progress noticed.

Im continuing to work in XXXX XXXX with an ever-growing caseload. I work with substantiated cases of XXXX in a small XXXX XXXX of Michigan community . Im raising three children of my own and caring for my husband who was recently treated for XXXX XXXX XXXX XXXX. Resolving this issue is life-changing for public servants so that we can continue to work in our communities without the crushing weight of student loan debt. 
Please bring light to this issue and make meaningful change for me, my family and our communities. Public servants are VITAL to our communities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: KS
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:
As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on Equifax need to be removed. The tradeline must be removed from XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have reviewed my credit report and provided documentation time and time again but EXPERIAN doesn't seem to understand that verifying a Fraudulent Account means nothing. So at this point I demand the following accounts be DELETED under Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX  XXXX  1 per Section 553 ( c ) ( codified at 50USC 3953 )

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 2023-02-22
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for a XXXX percent promo bonus and followed all rules, expecting a {$500.00} bonus to my account for keeping the new money deposited for the required time. My husband did the same with a different ally account. This was allowed per the rules ( XXXX XXXX XXXX  ) He received his bonus on XX/XX/XXXX. I did not. I chatted and was assured that the rep could see that I had deposited the funds and kept it deposited per the rules and that my bonus would arrive by XX/XX/XXXX. On XX/XX/XXXX no bonus. I contacted ally and was told to contact them the next day. I did, and was told that there were lots of calls about the promo not being fulfilled and to be patient. I asked that it be escalated. I received an email that I received the bonus, I emailed back that my husband received his bonus but I did not. They replied that the reason why I didn't receive a bonus is because my husband and I have the same email. the rules do not require different emails, just that the email used be associated with an ally account, which it is. I expect Ally to fulfill its promise.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

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 2023-01-01
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 information incorrect

Complaint:
I disputed with Experian on XX/XX/XXXX via Certified Mail regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX. 

XXXX XXXX XXXX XXXX XXXX Loan Partial Acct # XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # XXXX. 

I have disputed these accounts on multiple occasions. 

They received all XXXX letters via XXXX Mail on or around XX/XX/XXXX. I have not received any of my dispute results since then. It's been more than XXXX days. The disputes are regarding multiple months that are reporting inaccurate and incomplete information on all accounts. 

Please see attached letters, credit reports, and bank statements.

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