BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request SYNCB/JC PENNEY DC to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

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 2019-02-18
Company: SYNCHRONY FINANCIAL
State: MA
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:
I understand that i owe on the bill. Ive been making payments yet they just keep i feel harassing me. I got rid of my phone i can not call them i keep writing to them or contacting them through their website since XX/XX/2018 they wont help me. Its Synchrony bank. I think it's worth looking into them they probably doing it to everyone. I just don't understand how a company like this can not work with people. I know i owe I'm not denying it but i also can't afford the balance I'm just asking them to work with 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 monetary relief
Consumer complaint received 2022-10-05
Company: FinCo Services Inc DBA Current
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On today XX/XX/22 My card was charged over {$250.00} in fraudulent charges by a company called XXXX and when I contacted the card company they told me I had to wait for the charges to settle in order to investigate but that even if I dispute the charges there was no guarantee I would be credited or reimbursed The XXXX company has no contact information and is based out of XXXX I tried contacting a support email address I found via internet and got no response I would like these charges disputed and my funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-06-21
Company: ORO OC, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My bank account was drafted by a third party loan forgiveness servicer and I was led to believe this was the US Department of Federal Student Loan Forgiveness. However, I received a call from the US Federal Student Loan Forgiveness program they informed me that I have been paying a 3rd party fraudulent loan forgiveness and they have deducted from my account since XX/XX/XXXX and  none of my loans were paid toward the actual loans held by the US Department of Federal Student Loan provider. The fraud providers company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. I  have reached out to my bank to stop future payments to XXXX XXXX XXXX. Now I have to move quickly so I don't get removed from the loan forgiveness program with the US Federal Student Loans. I am not sure if the will return my money but i have lost {$49.00} a month since XX/XX/XXXX or XX/XX/XXXX. Please stop these companies from taking advantage of hard-working people trying to pay off their student loan debt. I am grateful for my education and i work at a XXXX here in XXXX. Please help - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was offered a quick turn around on an investment. Im starting to learn about investments so I figured it was a good deal. XXXX and Ill get XXXX, XXXX. I was later told that ill need to send them an additional XXXX to cover taxes it was then that I knew I was being scammed. The amount was still on pending and I immediately called Chase bank and they said that there's nothing that could be done. I hung up and called again and was offered technical support to see If they could retrieve the amount back into my account and they said once I hot sent that was it, money was lost. 

The person hacked into my XXXX account and changed my email and password and phone number so now I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions are..

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 2020-08-23
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:
XXXX XXXX is showing up on my credit card as a balance when it should be XXXX since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXXF XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}

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 explanation
Consumer complaint received 2021-04-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Have a loan with Wells Fargo in the past they added a insurance without my knowledge and repossessed my car they have a lawsuit filed against them where they have to pay all the damages happen to customer becoz of the repossession. 
I give them details of my damage - physically, financially, emotionally with the proof but they are not willing to pay what I m asking for what they are offering me is not fair.

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 2018-06-22
Company: N.A.R., 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:
A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has made repeated phone calls to my parents, cousins, job, and numerous family members I don't speak with telling them I need to get in touch with XXXX XXXX immediately for an owed debt. They have called the same people over and over even after I called and told them to stop contacting myself and family members repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/22 I closed out all positions with Coinbase. Was going to wait til finds cleared and transfer back to my bank. 
That evening the account was hacked and Bitcoin was purchased.

I tried to contact Coinbase but they have no Customer Service personnel. 
So I filled out an online report on the XXXX. 
Later that day, I got a call from what turned out to be scammers and gave them access to my computer. 
I know that sounds XXXX, but I have let other companies do remote access. 
The put in a 2 factor authorization and then bought Bitcoin and tried to put it in another wallet. 
I got an email from Coinbase asking if the transaction was legit and they were holding it for 3 days.. I informed them it was not legit. 
I believe the money is still there as the scammers kept contacting me constantly. 
I finally blocked all numbers. 
I cant get back into my account as I cant access the 2 factor. Ive emailed and filled out complaint forms and Coinbase has sent nothing but they are working on it. Its been over a month. Had close to XXXX with them. Again, logically it make sense that the scammers cant get the money either. 
They kept trying to convince me they were Coinbase employees and wanted another remote session. 
Coinbase was notified within their 72 hour window. I just want my money back obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.

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 2018-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Your company has failed to respond to consumers request with in 30 days as Mandate by the fair credit reporting act, not answering consumers request within 30 days is a violation that could carry up to {$1000.00} penalty per item in a court of law. 
Please delete Requested items from my credit report I am litigious consumer and I fully intend to enforce my right as for the Fair Credit Reporting Act. 

Thank you for your quick response in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account status incorrect

Complaint:
Equifax Consumer Reporting Agency has damaged my reputation by furnishing incorrect and private information on my consumer report without my consent. Congress makes it clear, pursuant to 15 U.S. Code 1681 ( a ) ( 3 ) that Equifax has assumed this role in the evaluating the credit worthiness, all without my prior consent. Reporting my private information without my consent is in violation of federal law. Equifax is also in violation of 15 U.S. Code 1681 ( a ) ( 4 ), as they are NOT exercising your grave responsibility with fairness, impartiality, or a respect to the consumer 's privacy. The report is unfair, partial and not respectful in any way to my privacy. Furthermore, I never instructed Equifax to furnish or create this report. This places Equifax in violation of 15 U.S. Code 1681b ( 2 ) as they never received written instructions from me, the consumer, nor did I ever consent to the report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Investigation took more than 30 days

Complaint:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written dispute letters to XXXX, XXXX  and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions 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:
I am no longer disputing XXXX XXXX and XXXX XXXXXXXX Account.

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