BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Can not get Log into account in order to set up payments or any other accounts from Synchrony credit services or any account serviced via Synchrony! I have talked to them was supposed to try it in a week and if not call back, which I did and called back. Was given another excuse and another week to correct?????? this issue. Strange my wife 's accounts seem to work, NONE of mine, you figure it out. Anyway I called them today and asked them to send me paper statement since it is obvious that they can not get all their parts in one basket .... I have also informed them that they are the worst and this was not the FIRST time I've had issues with them. I'M SORRY, is what I get .... had I not called them again and asked for a paper statement from here on and the payment would have been late or not made cause I was NOT ABLE to log in, they would have turned me in the the credit reporting agency as a missed payment ... .. FAIR huh????

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 2023-10-02
Company: Incomm Holdings Inc.
State: MN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i received a gift card, didn't use it for XXXX months opened it up and the numbers are scratched off and the back info is missing info. they used glue to cover numbers up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account in Chime in XX/XX/XXXX because I was traveling to XXXX, and Chime advertises they dont charge any international fees. My account number is XXXXand the email used to open the account is XXXX. I deposited {$310.00} dollars in the account for traveling expenses. On XX/XX/XXXX I tried to pay for an expense in XXXX and the account was locked. Chime states in their phone application that there is an email to send information to verify my identity and unlock the account. The same day ( XX/XX/XXXX ) I sent the requested information to chime. After multiple calls and escalations ( my mom and and dad called twice, and I called in XX/XX/XXXX and XX/XX/XXXX ) the account continues to be locked andfunds are not available. I received a support ticket # XXXX however when I asked today to the supervisor if the account can be cancelled, so I can receive my funds back, or if there is anything that can be done to access my money. Supervisor states that there is nothing to be done, there is no time to resolution and there is no one that we can call to address the problem only the " backoffice department '' can Unlock the account. I have not been able to access my money, and this company wont respond to the emails I sent. As of today Chime has locked me of accessing my money for 23 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to TransUnion 's website to get my free credit report. After viewing my report, I received an email telling me I had subscribed to a $ XXXX credit monitoring service, and my credit card had been billed for {$19.00} twice. I was able to cancel the service online but the customer service number given on the website was not connected to a call center. At no point during the account creation process on TransUnion 's website was I alerted that I would be charged. I never consented to be charged for a credit monitoring service, and I do not want to pay for it or receive the service ; I only wanted to view my credit report, which I am entitled to do for free. I would like a refund of the {$39.00} I have been charged without my consent.

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 2023-12-13
Company: Stuart-Lippman and Associates, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A month ago, I was contacted by XXXX XXXX of Stuart-Lipman and Associates . They were attempting to collect on a debt that is not owed. I requested for a validation of debt letter, and for all further communication to cease over the phone and only via mail moving forward. A validation letter was never received within the 10 days, and then this morning, I received another phone call and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was originally financed for a vehicle through a company called Exeter Finance. I recently refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX  sent the check out XX/XX/2021. It was cashed and deposited XX/XX/XXXX XXXXExeter is saying they have not received the check. It has clearly been cashed by their company. We sent it to the correct address made out to Exeter Finance. The cashed copy shows that the check was not tampered with. Customer Service has been unhelpful and unwilling to let me talk to management. My account with them remains open even though they have recieved {$13000.00} for the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing has not complied with my request for a debt validation letter. I have called them now going over a month and still no one from Convergent is able to provide any answers. I have sent a certified return receipt letter to them and it shows someone from convergent signed for it. I am requesting that this debt be immediately removed from all credit bureaus that deal directly with 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to protect my credit profile from inaccuracies, and reoccurrences, and efforts to provide screenings, and investigation. My credit report has a freeze as a result. Theres been names, addresses, collection agencies that Im not associated with that I had removed, is reporting the same fraudulent 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
Consumer complaint received 2019-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Old information reappearing

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 2022-01-12
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank has charged me over {$900.00} in overdraft fees in the last XXXX days and most of them are not legitimate. They are just taking advantage of poor Americans who are struggling to make ends meet.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2023-08-11
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:
I, XXXX XXXX XXXX, am writin in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXXXXXX XXXX XXXX XXXX Us Dept of Edu .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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 2022-10-20
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Reporting a written off debt from XXXX and attempting to collect it from me in Illinois or Georgia : but they do not have a collection agency license in Illinois to report on my credit or attempt to collect. 

The original debt was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In regards to : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX I sent a certified letter USPS that was received by Agent XXXX XXXX on XX/XX/XXXX. I requested verification and validation of this account which as of today 's date XX/XX/XXXX, I have yet to receive. Portfolio Recovery Associates, LLC apparently does not abide by the FAIR DEBT COLLECTION PRACTICES ACT. It seems that they pretty do what they want to do. They have not provided me with burden of proof of the original contract that bears my original signature. They continue to send boiler point billing statements without providing me with copies of any documents that show that I agreed to pay what they say I owe. Nor have they showed me how they calculated the amount that they say I owe. They did not provide verification or a copy of any judgement. I am truly XXXX and XXXX by the debt collection practices that Portfolio Recovery Associates, LLC thus far have done. They continue to report on my credit reports without validating that the debt is actually mines or providing verification and I want answers immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, I'm reaching out about the Wells Fargo account. I am not pleased with the results. I am not asking for accuracy if the account but for it to be removed. Remove the account. It is not collectible. Remove it. 

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 2023-12-13
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I canceled my auto insurance with XXXX. Then in XXXX I receive a debt collector on my credit report. For unpaid auto insurance as XXXX is trying to bill me after it was canceled. I called them and told them I fact they owe me {$200.00} as it was just payed the day I canceled. This was not refunded and still shows a debt on credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IN
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 have 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  have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or 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 non-monetary relief
Consumer complaint received 2019-12-03
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I deposit a cashier check from XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/19 at U.S. Bank location at the XXXX XXXX XXXX XXXX XXXX, Mo XXXX. On XX/XX/2019 check online banking stated funds are completed but not transfer into my checking account unable to pay my mortgage for my XXXX payment unacceptable and Im not trying to pay extra interest per day and my mortgage payment is still past due because funds are not deposit.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX  XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX  account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}

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
Consumer complaint received 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
An automatic charge was made to my Capital One account and the card company did not provide me any notice of the charge. I subsequently accrued late fees, which affected my credit charge. I paid off the late fees, even though I disputed them, but they will not release the rewards that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I found this on my credit report and I did not apply for any credit cards. Here is the info. 
BANK of America XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2022

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: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Do you know anything about security charges that occur on Synchrony credit cards? Initially when we bought approximately {$3700.00} work of musical gear with a 48 month zero percent credit card offer through XXXX. I spoke at length with Synchrony and set up autopay with the right monthly amount so we could just forget about the card and let it pay itself without interest. When I went in earlier this week to get info for tax purposes I realized weve been getting charged between $ 42-46 a month for security and then {$2.00} a month interest on top of that as it was just increasing our amount owed and those 'security charges ' did not count as 0 %. We never were informed or asked about this and its racked up almost {$700.00} worth of extra charges on our account! This is unethical and criminal. If I hadnt have noticed, it wouldve keep racking up into the thousands and we would never have been able to pay off this card. 

All of the monthly charges on the bill had an XXXX number next to them. I tried calling Synchrony first and they said they could do nothing about it. They knew what I was talking about but said that Its a 'separate company ' and separate phone number from the regular credit card service. When I finally got a hold of any alternate number for security they tried to tell me that I had 'opted in ' and accepted the option to be charged that 40+ dollar monthly fee when I signed up for the card. When I rather aggressively informed them that in no way had I opted in for anything of the sort, they told me that I would get a {$670.00} credit on my account within 48 hours. I XXXX it and it seems Synchrony has done this quite a few people with other store cards ; charging people this {$40.00} a month fee without their knowledge. Its amazingly unethical! The fact we were being charged interest on top of that because of it is even worse. There's no way I agreed to this as I am extremely thorough when I sign up for credit card applications. Someone is making a huge amount of money off of this and Synchrony knows about it.

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