BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.

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 2023-10-24
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Starting at the end of XXXXbeginning of XXXX, I applied for and IDR Through Mohela. I was denied and called in, they told me to resubmit and to provide my XXXX tax docs. I did and was denied again. I had to called 6 more times, each getting a sliver of what to turn in to get approved. on the XXXX time I was Transferred to a Specialist who told me to submit my XXXX, XXXX, and XXXX w2 's and resubmit the IDR. the 7th time I called I spoke to a so called " specialist '' who pretended to know what she was talking about, just to get me off of the phone. I am a XXXX  and my colleague submitted his IDR not even a week ago and got approved. He submitted the same requested documentation that I did yet I still am waiting to be approved for over a month. This most recent time I called and was on hold for 40 mins before speaking to a representative. She could not assist me and kept putting me on hold. I asked to be transferred to a specialist who could better assist me. instead I was put back in que with a 90 min hold. I also want to mention that Mohela is only available from XXXX to XXXX est. which is when I am working. They normally will have 90 min que times. I am also a XXXX  Veteran who has XXXX, XXXX XXXX  and XXXX. I feel as though I am being discriminated against by Mohela. I have let them know that I can not make the insanely high payments, that I am a XXXX as well as a XXXX vet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS XXXX : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to you today with a heavy heart to dispute the negative items listed on my credit report, specifically the charge off accounts for XXXX XXXX ending in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as well as the inquiries by XXXX XXXX XXXX XX/XX/XXXX. 

The circumstances surrounding these negative items are emotionally charged for me. I have always been a responsible individual and have worked hard to maintain a good credit standing. However, due to unforeseen circumstances beyond my control, I was unable to make payments on these accounts, resulting in the charge offs. 

The financial stress caused by these events has taken a toll on my mental health and has caused me great distress. As someone who takes their financial responsibilities seriously, I have been actively working to rectify the situation and get my finances back on track. I have taken steps to pay off my debts and have been working with a financial advisor to improve my financial literacy and make better financial decisions moving forward. 

I understand that the negative items on my credit report are a reflection of my past financial struggles, but I implore you to consider the efforts I have made to rectify the situation and move forward. I am committed to doing everything in my power to improve my credit standing and prove that I am a responsible borrower. 

I respectfully request that you investigate these negative items and remove them from my credit report if possible. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, 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 2021-10-27
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 2 accounts with Chime and the bank they represent.

1 standard checking account and 1 secured credit card.

I noticed unauthorized activity on my credit card. I have it in my possession, so someone must have stolen the number. I reported this to Chime and locked my card. This was the first week of XXXX. 

After more than a week with no help, Chime decided to just lock my entire account. I can no longer access it. I can not pay my credit card bill ( which will hurt my credit ). I can not access my bank account. And they even prevent me from seeing any of my statements. So any more charges will be unnoticed. 

Chimes response was for me to send my Driver 's license, pay stubs, taxes, proof of address, SSN card, billing receipt 's, a picture of my holding my cards, and anything else you can think of. They asked for this despite them warning customers not to share this. 

I gave them a picture of my driver 's license. This was enough to me. Since my account with chime was compromised, I feel it would be foolish to essentially send them my entire identity. 

Chime refuses to let me access my account. I would be perfectly fine just paying my bill and transferring my money to another account. But they refuse. They essentially have taken possession of my credit card and my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BANCO POPULAR DE PUERTO RICO
State: CO
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:
Applied for the XXXX XXXX  Visa card with XXXX LifeMiles bonus through an invitation sent to me. I have never dealt with such a horrible bank and a very convoluted application process. I had to send in pay stubs, utility bills, social security card, and passport/ID, and was finally approved for {$5000.00} after almost 3 weeks. When I received the card, I activated it and went to make my first purchase on it and was instantly denied. 

I called in and was told my account was blocked. I asked why, and they said they wanted another utility bill and ID. I sent in my XXXX Bill and my Passport. A few days later, my account was SHUT DOWN!!! I was notified that my XXXX utility bill was questionable. I sent in another utility bill and my XXXX Bill, and also attached my Passport. 

I called in again and was told my account was permanently shut down. This is beyond ridiculous. Avoid Banco Popular or XXXX XXXX XXXX at all cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX sold my information to this company that was from XXXX. They are illegal in maryland where i reside and they kept selling my debt.I don't owe them this money stated as they put me in collections. 
( DEBT RECOVERY SOLUTIon ) Last reported XX/XX/XXXX {$1500.00} Open balance XXXX  Original creditor Opened XXXX XXXX, XXXX ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: National Credit Systems,Inc.
State: WV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. XXXX XXXX XXXX. {$21000.00}. This debt belongs to my brother, whom has a similar name to mine. I have contacted the apartment rental office, the collections company, and XXXX. Rental office wouldnt give me the rental agreement because its not my account. The collections company wouldnt help because the information they received from the rental office. And XXXX wont help unless I have a letter explaining everything from the rental office and the collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-11
Company: EQUIFAX, INC.
State: AL
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 reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check last week for {$2000.00} on XX/XX/2023 from my old landlord. The funds are in my account and the funds have been taken out of my landlords account. My landlord proved this by sending me an email with a screenshot that show 'd the bank withdrew the funds including a photo of the check and my signature from the electronic deposit. 

Chase deposited the money into my account and froze my account and are closing it in 10 days ( from the XX/XX/XXXX date ) and plan to withhold the {$2000.00} from that check until resolution. They are saying it will be in this hold for 2 years until resolution is found. I've been a chase member for many years with no issues. 

Our ( my husband and I ) landlord has been willing to cooperate ( minus some unreasonable requests from chase ) They are saying there are a few options which ALL have led us to a dead end. they have given us the run around but i still do not understand why they believe the check is fraudulent. 

1 ) Provide them a phone number to call that is associated with his LLC so they can verify the check isn't fraudulent. We did that, and gave them two phone numbers that our landlord gave us. But since the phone number isnt under his name through his phone company ( determined by a 3rd party security system ) they can not call that number. We talked with our landlord and he basically is telling us he cant give them any other phone numbers and thats not his problem ( We agree ). Chases is asking that our landlord can update his phone number to match his name so it can pass their security system, we believe this is an unreasonable request for him to jump through hoops with his phone company. Chase 's strict security reasons are not our problem. This is a dead end. 

2 ) they have tried to call his bank ( US bank ). but they cant give them the info needed for security reasons. - Dead end. 

3 ) for our landlord would have to ask his bank to cancel the check. Chase stated that this doesn't always work which leaves us and out landlord uneasy. our landlord is rightfully hesitant since the funds are out of the account and in our account. - Chase has successfully deposited our money and this is an unreasonable request. 


further action taken by us that Chase refuses. they will not take our email from our landlord as any kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter. 

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.

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 2022-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have tried over and over calling, and emailing this seller, and have asked for a tracking number, and no response or reply. This is so hurtful my niece really wanted this doll and though I couldn't afford it I'm on SSI and XXXX I said I have to get it for her because her [ parents are on drugs and don't buy her anything.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to 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 2023-10-24
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have tried several times to get a hold of this company moohela and give them my information and all they do is hold the call transfer me and leave me waiting for over an hour until the line gets cut.I am already being charged when I shouldve gotten forgiveness for my loans but I am unable to get a hold of anyone in this company and was transferred from one loan provider to the other and this one is the worst one Ive had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please see documents Attached

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 2017-10-21
Company: Experian Information Solutions Inc.
State: TN
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:
The XXXX XXXX XXXX XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Paramount GR Holdings, LLC
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 status incorrect

Complaint:
Upon selling our home, we transferred the loan on the XXXX XXXX  to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka Goodleap ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation