BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had file a complain XXXX against SYNCHRONY FINANCIAL a month ago. After that complain, the office of the president sent me an email through its senior customer relationship in the name of XXXX. They agreed to reimburse the over charged they put on my credit card and said they have mailed me the refund check of {$530.00}. They also said I will receive the check within 5 to 10 days. After 3 weeks of not receiving my money, I called many times to know the status of my check and finally, XXXX picked up the phone and said she will look into that. I still have not heard from her. I left her 4 voice messages and an email but she never returned my call or reply to my email. I understand {$530.00} is not a lot money for her but for me, that's a lot. It a money I can use to help pay my daugther 's daycare, it's a money I can use to help pay my mortgage among other thing. I am not looking for any charity from SYNCHRONY FINANCIAL. I want my money back. That's all.

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 2017-11-22
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: Investigation took more than 30 days

Complaint:
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.

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 2021-09-15
Company: U.S. BANCORP
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: Other problem

Complaint:
XX/XX/XXXX. Travel company issue a credit back to credit card because we canceled trip. Amt= {$1600.00} XX/XX/XXXX. I called to request a credit refund. They said they will send a refund check to my address. 
XX/XX/XXXX Its been 2 months and I haven't received the check. I called company on this date. They said the check was already cashed. I told them i never receive the check. 
XX/XX/XXXX. I received a formal letter stating that the check was already cashed. I told them that I never received check and for them to open an investigation. 
XX/XX/XXXX. Called back to ask for status. No one can give me any info. 
Receive documents for me to sign and notarized to state that I never received the check. sent documents back to card company. 
XX/XX/XXXX. called back for status of case. They said the " they are suppose to hear back from bank in next day ''. And I should hear from them shortly. Never heard back from anyone. 
XX/XX/XXXX. called back for status and was given a phone number of Fraud department for me to call. 
XX/XX/XXXX. called the fraud department number but is was a non-working phone number. called back the regular Fidelity customer service line. and was told a supervisor will call me in 24 hours.

I still haven't heard back from card company. Its been 6 months and they are not doing anything to return my credit card refund.

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 2022-11-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX : {$4400.00}

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 2019-05-02
Company: Choice Recovery, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit is reporting a {$160.00} medical bill from 2016. When I saw it on my credit I immediately contacted the XXXX who gave me no info except the amount. I then contacted the urgent care the original debt was with and they stated there isn't a balance under my information. I contacted my insurance company at the time and they verified for me that there isn't any owed balance with the urgent care. I tried contacting the outside agency again but they refuse to even look into it and verify it with the urgent care and instead are still trying to collect this debt that isn't valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hello ive recently pulled my credit report and i notice alot of accounts was token out in my name ive reached out to transunion, XXXX, XXXX  and still there is no response from then my idenity was stolen when i was deployed in the XXXX XXXX and not happy about this at all im a getting a lawyer involved to sue for damages for inacuarte information 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 explanation
Consumer complaint received 2018-05-14
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Chase after a huge ordeal with XXXX. I rented a vacation rental and had numerous issues with the host. She would not respond to message or phone calls. My date was quickly approaching and XXXX told me to cancel the reservation ASAP because the host wasn't communicating. I spoke to several people at XXXX and 2 of which promised a refund. That refund never happened. I called Chase to file a dispute. The date of transaction was approx XX/XX/18. I provided Chase additional information on the dispute on XX/XX/18. Yesterday I saw they rebilled my credit card for the disputed amount. Chase has never called or sent a letter in regards to this. I called Chase and was told they sided with XXXX. They didn't care that XXXX promised a refund and hat XXXX had sent a disclosure. The disclosure is null and void as the host didn't communicate with me. How can I stay at a place where the host is non responsive? XXXX agreed to refund me and now they refused. I attached the additional info I sent Chase. Also, included a screenshot of my convo with XXXX. I had several other conversations on their phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
One main Finacial continues to threaten me although I am making monthly payments I fellbehind. They have said if I donot pay the full amount of XXXX dollars in 7 days they will take further action. They thanked me for making payments but they wont the full payment of XXXX or else face further acitons. I am afraid these people are powerful I dont know what to do please help Please help I received this document in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: MA
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 opened complaints to XXXX and XXXX  regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and XXXX  have deemed to be incorrect.

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 2019-09-24
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: Information belongs to someone else

Complaint:
Some accounts on my credit report are not mine.

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 2020-05-02
Company: EQUIFAX, INC.
State: MA
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 opened complaints to XXXX  and Equifax regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and Equifax. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and Equifax have deemed to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Claim # XXXX I disputed unauthorized charges from XXXX. Wells Fargo refunded me {$120.00} on claim # XXXX but collected {$190.00} from XXXX. 
I discussed the claim amount charged back from XXXX with XXXX. XXXX stated that a total of {$190.00} was indeed charged back from my account to Wells Fargo. 

Wells Fargo collected a total of {$190.00} from XXXX but only refunded {$120.00} to my Wells Fargo account. Per XXXX, Wells Fargo is holding the additional {$70.00} difference. 

I am seeking my full refund - the additional {$70.00}. 

I've spoke to and emailed XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 opened complaints to Transunion and XXXX regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to Transunion and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both Transunion and XXXX  have deemed to be incorrect.

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 2019-09-24
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have several medical bills that have been sent to a debt collector that are being processed by my insurance. I have called my insurance companies about the bills. They have agreed to reprocess these bills to be paid through my insurance. I called the collection agency about this, and they told me to call the original creditor. I spoke with them about removing these bills and they informed me that they CAN'T and WON'T remove them from my credit reports. The name of the company is called XXXX XXXX XXXX XXXX. The date of services are XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$440.00}, XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$810.00}. Each of these bills have been sent to CMRE Financial services inc a debt collector. But according to FCRA states that these accounts be removed from my credit report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. Bank of America refuses to correct the mistake, so here I stand.

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 2017-11-22
Company: Affiliated Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent transaction made via joint Bank of America checking account that I share with my XXXX year old mother. Basically, they hacked our on-line account and sent {$3000.00} total in fraudulent XXXX transfers to two individuals I do not know. I reported the incident immediately but after investigation, the bank refused to refund the unauthorized and fraudulent transfer of money after the account was hacked. The actual date of the illegal activity was XX/XX/2020. Two transactions were made of {$2500.00} and {$500.00} for a total of {$3000.00}. A third transaction was in progress when the account was shutdown. According to the bank online security, it did not complete. I immediately froze the account and went to the bank a few days later to open a new account. They informed me that the money would be refunded after the investigation was completed. Apparently, someone walked into a XXXX store in XXXX XXXX, NY ( I live in Florida ) and were able to change my security information without my knowledge or consent. They were able to hack my XXXX information, change the type of phone I own and MEID code of the phone and then proceeded to change my online information for BOFA and hack my on-line account to make the illegal transfers. Since BOFA uses your personal phone to send the security code when logging on, once the cell information was transferred to another phone not owned by me, it was easy to make the transfers.

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 2020-02-04
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my XXXX statement I noticed An interest charge of {$1000.00} After checking and trying to make A payment is when I noticed this charge Called and was told my promotion ended And they added the interest without informing me My promotion was 12 months same as cash then interest on the balance going forward I was told by the gentleman I spoke with He didnt care what I was told at the beginning this is how its done He did give me a week to pay off my account This is not what I agreed to I agreed to 12 months same as cash Please help if you can

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 2018-02-06
Company: Choice Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation