BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called Vanilla Gift Cards XXXX XXXX XXXX XXXX XXXX, on XX/XX/2021 at XXXX, my call lasted for about 16 minutes. I spoke to customer service regarding a scam that I was apart of involving their gift cards. I explained that a person hacked my bosses email address and pretended to be him and instructed me to purchase 5 gift cards all {$200.00} each, totaling {$1000.00}. The customer service rep was a women but I did not get her name. She then asked me to read all of the cards off to her, and then told me some of them were not used yet. I asked her if she can stop the cards from working and she literally told me there was nothing she can do. Which I find strange, because if you lose a giftcard they are able to stop the funds on a lost card and send you a new card, but she somehow couldn't do the same for this. So, I literally had to watch the scammer just use my money that I still could have stopped if she had done something. She then told me that a dispute packet would be sent to my email address within 10 minutes, and she provided me a case number. I asked her how long this would take to dispute and she told me 90 days. Her dispute team would have to call the merchant and that would take 45 days and then if they agreed with my case they would send me a check. In the dispute packet she told me I would be able to send the emails that this scammer sent me to help my case and then I would be able to tell them if I wanted a check or gift cards in the amount that I was scammed. So the call ended and I kept checking for the dispute packet and I never got it. I checked my spam folder as well and never got it. 

So an hour later I called them back Wednesday, XX/XX/2021 at XXXX, this call lasted 17 minutes. I told the customer service rep everything again, and mentioned how I never received the dispute packet that the other CSR told me I would get in 10 minutes. She asked me to check my junk, nothing, and then confirmed my email, which I did. She then told me the packets take 24 hours to get to our email. So clearly not consistent. She asked me to read the gift cards off to her to check my dispute and NONE of the gift cards, but ONE was recorded in my file. If I even have a file. I asked her if I am disputing all of these gift cards why is only one recorded and she said they all go together? excuse my language but XXXX. 

She told me after 24 hours I would recieve a packet, she went over all of my information and we hung up. Well it's a week later and I have no packet. I have messaged this companies XXXX account to get help and nothing. 

They do not help their customers when they easily could have stopped the payment on the cards THAT STILL HAD MY MONEY ON THEM and she let the scammer continue using them. I am applaud that this company is still in business, they don't help you at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I disputed transactions from XXXX that I did not authorize and my bank denied my claim

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 2022-09-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 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 2021-04-08
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2003 Navy federal bank in XXXX Va violated my ADA rights by refusing to let me into the bank to deposit a check and refused to let me withdraw money from my savings account. I dont have a bank card and Im in a wheelchair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reported that I did not open this account and that I dont even have the bank account that was making those payments. My entire bank account was compromised as well and I have an entire new bank. I had just checked my credit score to get my first apartment which is where I saw this on my credit report. They claim because payments were made that they were me but those payments were never even consistent when I looked into it. I am always consistent with payments which is what I tried explaining to them.

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Bank of America, I can not close my account currently because you guys stole my money and overcharged me. Please close my account as I no longer will be paying the overcharged amount because it was not caused by me, but caused by your faulty system stealing millions of dollars from your other clients. I will no longer be banking with Bank of America.

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 2022-09-02
Company: MARINER FINANCE, LLC
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:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.

The following account was a Charge-off. Balance should be 0. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. XXXX should be 0. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I wrote a check in the amount of {$2800.00} to another Chase Bank customer who attempted to deposit the check on XX/XX/XXXX. The money left my account but was withheld by Chase from the other customer 's account for check verification and his account was subsequently closed. Chases XXXX verification system lists an incorrect phone number for me - I have had my phone number for nearly ten years and use it for two-step authentication into all of Chases online banking platforms. 

Subsequently, myself and the other customer both physically went together to a local Chase Bank branch in XXXX XXXX, XXXX, NY with our government-issued IDs, the original check, and Chase Bank cards linked to our respective accounts.

No resolution was achieved in-person. When we followed up with the phone numbers that the branch provided as next steps, we were each separately told conflicting information to solve the problem.

With no resolution from customer claims or the local branch, the Branch Manager escalated the issue to the Chase Executive Office last week ( XX/XX/XXXX ), at which point the other customer and I were each given separate case numbers. Our assigned case managers placed blame on the other customer and said there was nothing they could do to resolve the issue. It has now been a month and a half and there is no end in sight. 

Neither myself nor the other customer have access to this {$2800.00} as it is being held in a dispute status by Chase indefinitely. From my perspective, Chase has taken {$2800.00} from me and is holding the money with no intention of sending it either ( a ) back to me, or ( b ) to the intended recipient of the check. 

Any assistance to bring this matter to one of those two resolutions is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER 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 2023-03-16
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-09-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a line of credit with care credit through Synchrony bank. That line if credit was paid off in full and the account was closed. 

Approximately one year later, Synchrony bank sent me an email for a past due amount. I called them and explained that my account was paid off in full and closed. Synchrony bank informed me that they will take care of the problem and close my account. 

About a month ago I started receiving more emails from them for a a past due account. I emailed them stating that was not my account. Even though I received a response, I still kept getting calls. I called them back again and explained the situation, and was told for a third time that the problem will be taken care of. 

Now they put a delinquent account notice on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a very aggressive and threatening call stating that Ace Cash Express would take me to " Immediate proceedings Court '' or locate me at my home or place of employment, they gave me a case number and stated that they are planning to sue or take criminal action, I have XXXX XXXX and its triggered a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: U.S. BANCORP
State: PA
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 shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dispute letter XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you removed these items as soon as possible as it affecting my current situation. I am trying to better my situation and move into a new apartment with my son.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Thisaccountisnotvalidandhasbeensoldtoa3rdpartyafternumerousattemptstoresolvethismatterfortheamountof{$1300.00}fromXXXXXXXX.

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 2017-06-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.

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 2023-08-30
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting 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 am writing to express my deep concern regarding your company 's practices, which appear to be in direct violation of 15 USC 1666b, a crucial consumer protection law. This statute aims to safeguard consumers by ensuring transparent and fair business dealings. It is disappointing to observe that your company 's actions do not align with the provisions of this law. Specifically, the law mandates clear and accurate disclosure of terms, fees, and other relevant information pertaining to consumer transactions. It is disheartening to note that your company has failed to adhere to these principles, thus potentially subjecting consumers to unfair and deceptive practices. I kindly demand that your company takes immediate corrective action to ensure compliance with 15 USC 1666b. Failure to do so would leave me no choice but to explore legal avenues to address this matter, which could include initiating litigation against your company. I hope we can resolve this matter promptly and amicably, upholding the rights and protection of consumers as intended by the law.

Company response to consumer: Closed with explanation