BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While digging in to some budget issues, ( After a long hospital stay ), I realized I was being double charged for yearly membership fees, along with a app., I never ordered through the Amazon store card which is Synchrony Bank. I paid on time being a loyal customer for years, not realizing I was being ripped off. Amazon Prime  refunded the fees. I was able to retrieve by check. Synchrony, however, has played cat and mouse, since XX/XX/2019, throwing the blame. They have stated they do owe me for many months, but come up with an excuse every time. The statements I ordered were to be sent within 14 days, which I've never received. 

Now they claim they need another 30 days, acting like the amount refunded by Amazon Prime should be enough, and I'm just a dummy. It's not even Prime 's  responsibility. Synchrony will not take the responsibility when they are who charged me, and Prime had no idea, until I was able to link this account to them. I will never do any business with Synchrony ever again. That's my money and I could use it now that I'm XXXX. The principle of this and for the way I've been treated, infuriates me. I plan on taking action in any way, shape or form to receive what's mine, and for the simple fact of Synchrony doing the right thing. I feel very taken advantage of with this situation.

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 2022-07-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed from my bitcoin  account value approx {$14000.00} through Coinbase as all my money got transferred from my digital wallet without Coinbase taking the necessary precautions to safeguard their clientele 's account. There's no reason why they would allow this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
i have sent multiple emails to the risk department with proof of my address, my driver 's license, and 2 receipts and packs at a value of {$400.00} and they are refusing to refund me my money still. i have talked to XXXX who is a 3rd party and does nothing but forward the emails, i have spoken to XXXX who all of a sudden doesn't work there i was told i would be getting a full refund of the {$1300.00} in my account. i spoke to a person named XXXX that said he was supervisor who told me to send in what i could and i would get a refund. these packs were given to me by my grandmother before she passed. this has been going on since XX/XX/XXXX, i have been trying to resolve this since XX/XX/XXXX. my grandmother has since passed away, i have told them over and over that i have not been able to locate the receipts for the other 2 packs becauae she purchased them. i was told that was fine and to send what i had and i would get a full refund, i needed that money to assist with her funeral. i was also told by XXXX that because this company doesnt employ XXXX people or have XXXX people in the company he doesnt know how to deal with people like me. i also received documentation for another customer that states fraud, it shows that they place blocks on any and everyones account for the baseless reasons, no proof of fraud whatsoever, i have never been accused of fraud by them but getting this letter shows this is the route they will go that route. i have never spoken to an actually supervisor only customer service reps. this company is a joke a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: LTD Financial Services, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018, XXXX  XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score.  The letter from XXXX XXXX was advising me they would take care of this.

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 2018-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was a victim of Hurrican Irma in XX/XX/XXXX..I called Chase and they advised that they had a defferred payment plan for customers affected by the Hurricane Irma I enrolled both my Chase credit cards in the program. I was told i would be mailed out written verfication of the program and the specifics and payment due dates. I never received and confirmation of the plan terms or new due dates of payment. 
I believed i was enrolled into the Irma defferred relief program until XX/XX/ i believed. Around XX/XX/XXXX I called up to make payments and they said my account was closed and they would not open even if i made payments that i was charged late fees and that they had reported me to the credit bureau for being over 90 days late.They said that the program was for 30 days not 90 like that i was lead to believe. Further i never got any communication that i was in the deferred program or the dates the program began or ended or when the payments were due.I reuested the program because i was without income for 45 days. Now i have been slammed by Hurrican Irma again by Chase Bank. I told Chase i would make payments and bring my account current but they still would not reopen my account. Chase is more interested in destroying my credit than helping to resolve the matter.. I request numerous times to have a call back from management to help resolve the situation but never received a call back from anyone in Chase authorized to correct the situation. 
ironically i have two credit cards with Chase i called Chase on the other credit card and was allowed to make payments and my account was reopened. Why the double standard. 
Chase should of sent me notice of when the program began and when it ended and when my payment was due. i never received any written communication and i was advised by chase when i enterred program that i would receive confirmation. i thought and believed that my payment was deferred until XX/XX/XXXX as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have disputed erroneous accounts that are present on my XXXX XXXX XXXX  TransUnion reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2018-09-19
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: Information is missing that should be on the report

Complaint:
I have had credit since I was XXXX XXXX XXXX which is over 26 years, and have had accounts in good standing. Transunion is reporting that my credit history is only 8 years. I have called to complain and was told that good standing accounts only remain 10 years. Even if this is correct my credit history should show as 10 years. They told me if I wanted anything older to appear I had to contact the creditor directly and tell them to continue to report it. This is absolutely ridiculous to me. The fact that so many things depend on my score and they do not follow the rules makes me extremely angry. I have disputed things in the past as well and they told me the company verified the information and when I told them it was incorrect they told me to contact the creditor. I do not know how that is even possible when I never had an account with the creditor they listed and they do not supply the contact information. I have actually tried in the past though and the creditor was not able to look me up by Social or account # because I did not have an account # and Transunion would not supply me with one. My point being they negatively affect peoples credit and do not resolve issues as required. I am not supposed to have to prove something, they are supposed to report correctly and prove things should be on my report. They are also supposed to report accurately, if they are going to include length of credit they can't take away the things that show how many years you have had credit especially if it is such a big part of their scoring process.

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 2018-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.

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 2018-09-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2018, I went into XXXX XXXX in XXXX, Mo to buy a car. I had brought along a pre approval from XXXX XXXX XXXX XXXX and told the car salesman that I wanted my loan through XXXX XXXX. I picked out the car I wanted, and he took all my paperwork to the Finance Lady. She had my paperwork for over 45 minutes and did not talk to me until after she had ran my credit. She ran my credit for Wells Fargo, XXXX XXXX and XXXX XXXX. After I had given them a letter for pre acceptace from XXXX XXXX. I did not authorize them to try to get me a loan through either XXXX XXXX or Wells fargo, and I was not asked if they could. I wanted XXXX XXXX and I had made that clear with the sales guy. I will Never deal with Wells fargo, and had they actually asked me instead of doing whatever they wanted, ( after I gave them the Pre approval and made it clear I wanted only XXXX  ) I would of told them I would never deal with Wells fargo. I have tried to get them to delete the hard inquiries made by these 2 compaines but they refuse to. I have already filed a complaint with the XXXX and still they refuse. These are 2 hard inquiries that should never of been on my credit report, and I want them taken off. 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 2018-09-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: KY
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:
I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the covid19 pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions 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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I currently have credit membership with XXXX XXXX XXXX and they charge {$19.00} a month. EXPERIAN *CREDITREPORT - XXXX, CA to my credit card. I tried calling them several times, they have a automated system to cancel my services but the automated system says I don't have membership and hangs up the call. They have no way to contact live person to resolve this. I have tried numerous numbers. I honestly believe this is fraudulent attempt by them to discourage people and keep billing people for services. There is no option to talk with anyone. There is no way to cancel these services online. They should be investigated.

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 2021-02-02
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:
XXXX XXXX should not be reporting late to XXXX ; XXXX  and Transunion on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.

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 2021-02-02
Company: Experian Information Solutions Inc.
State: MD
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 have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

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 2021-02-02
Company: EQUIFAX, INC.
State: MD
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 have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

Company response to consumer: Closed with explanation