BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
State: NJ
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:
On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. I proceeded to correct my error and made a full payment. Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress. 
I filed a CFPB complaint on XX/XX/2020. 
My complaint is now closed as the company says they reached out to me and have not heard back. 
This is false. I will happily provide call logs and SMS history to show as such. 
Additionally, the company states the reason for my account closure and seizure of my funds is something on my XXXX credit report shows a 'high probability ' of me not being able to make the payments. 
I ordered a copy of this report, and every single account on my credit report is in good standing. There are no negative marks or notations. It follows that my account was closed, and my funds seized, with absolutely no good cause. 
The company has never reached out directly to me, providing a name and/or number I can speak with, other than providing me their general Customer Service phone number, at which there is nobody that can provide any further info. 
The company is unresponsive to multiple and repeated requests for further information, and they are still in possession of my money.

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 2020-11-16
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 belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

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 2022-11-18
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAINE & WEINER COMPANY, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: PA
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Chase Bank has closed all my Chase credit cards : Chase Freedom # XXXX XXXX XXXX XXXX ( opened since XX/XX/XXXX ) and newly opened Slate Card # XXXX XXXX XXXX XXXX because during periodic account review they have identified that I am a " high-risk '' customer I have never being late once on my Chase credit card. I have been their customer for over 7 years ( had checking accounts, financed my vehicle which I paid offed earlier ). 

My income is stable and my credit score FICO 8 was XXXX at the time of the closure. 

It is still over 700 at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/2020, I received a text indicating I had a fraudulent charge and asking for validation of the charge. When I responded, " No '', a text appeared that my message was not received. I did not follow up on the issue and then got a bill showing {$3200.00} fraudulent charges over a period of 2 weeks ( XX/XX/XXXX to XX/XX/2020 ). My wife then realized that our credit card was lost and we reported it to Chase who cancelled the card, issued a new card, and then put a hold on the fraudulent charges. We got a letter from Chase on XX/XX/XXXX confirming the above. 

We then received a XX/XX/XXXX letter from Chase that the fraudulent charges were being re-instated and we were liable to pay for them. I immediately called the point of contact and could not get a hold of anyone from the Fraud department. I then followed up with an email listing every charge and showed how they displayed behavior and locations outside of my previous spending patterns. Three more emails and five phone calls over three months yielded the Chase Fraud Department calling me up and saying that the information with the card reported missing was not enough evidence to show Chase liable to accept the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
In XX/XX/XXXX I came to the United States for the first time and I spoke no English. Shortly after I met XXXX XXXX. In XX/XX/XXXX we were struggling to commute to work so he told me he needed help asking for a loan because the chances of us getting a loan with two incomes would be higher. I was new to the County so I was not really sure how it worked. XXXX XXXX made me sign the paperwork after I expressed I didn't think we could afford it. Shortly after we broke up because of financial problems and he kept the vehicle with VIN # XXXX. Shortly after I found out he stopped making payment to California Auto Finance because I kept getting calls treating me to pay all the balance or I would be sent to collections. I did not understand what was happening and I kept explaining that my ex was the one that kept the vehicle and not me and the loan was under his name ( I have copies of the coupons with his name ) the calls eventually stopped and I was sent to collections. Eventually I found out the Vehicle was repossessed. I tried to settle the debt in XX/XX/XXXX but the California Auto Fianance kept demanding the whole amount even with the vehicle in their possession. They recorded the debt and the collection in my credit report even though I tried to settle and I was forced into cosigning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Insikt, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, Debt Recovery Solutions reported two medical bills on my credit report for {$980.00} and {$610.00} respectively. I was completely unaware of any outstanding medical bills that were owed, so as soon as I saw these accounts appear, I wrote to the collection agency and requested more information about where these debts came from. I asked them to send me the name of the medical facility where these debts orginated, the dates that the supposed services were performed, what procedures were performed, and if my health-care provider was properly billed. Well over 30 days have passed, so I can only assume that the collection agency can not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: ID Analytics, 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:
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a Barclays Bank Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. BARCLAY transferred to a collection name XXXX XXXX XXXX. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. XXXX XXXX  began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of 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 explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Officer : I am currently American Express credit card use, last month i tried to transfer my AmEx Membership reward into my airline membership account to redeem reward ticket, but it looks like they frozen my account, and says " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. I called them later, but they do told me it will take some times. But i am waiting so long about it, i just use my credit card normally, i do not think i did anything improper. Because they frozen my account, the reward ticket was gone. It really made me annoyed and that is why i asked CFPB for help. Please help deal with issue, it really made inconvenience and annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
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: Old information reappears or never goes away

Complaint:
I called XXXX XXXX, and PennyMac my lenders for my my mortgages asking for a forgiveness. I was in a really bad spot for about 2 years and got behind on my mortgage. I paid everything up and is current now. Could they please forgive me on some of my late payments since they are caught up now. This is hurting my score tremendously and Im trying to get credit now and I cant. Please review my payment history. Im begging for a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!

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 2017-08-10
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MI
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 the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX : ( XXXX ) - # XXXX ( XXXX  ) - # XXXX XXXX XXXX : ( XXXX ) XXXX # XXXX ( XXXX ) - # XXXX ( Equifax ) - # XXXX XXXX XXXX XXXX : ( XXXX ) XXXX # XXXX XXXX XXXX ) - # XXXX ( Equifax ) - # XXXX XXXX : XXXX XXXX ) - # XXXX XXXX XXXX : XXXX XXXX ) - # XXXX 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 an 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief