BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a " Banana Republic Luxe '' card since XXXX. It is a store charge card that does not expire, and it was issued by Synchrony Bank ( card number begins with XXXX ). In late XX/XX/XXXX, I received a VISA credit card that is also labeled as Banana Republic Luxe, and issued by Synchrony Bank. This is an actual VISA card, not a store charge card ; it shows an expiration date of XX/XX/XXXX, and has a completely different account number ( begins with XXXX ). 

I am furious that Synchrony Bank would choose to issue me a VISA card, when I never applied for one, especially a card that can be used anywhere VISA is accepted.

I called Synchrony 's customer service on XX/XX/XXXX to inform them that I never applied for a VISA credit card, and they said the company has upgraded me because of my loyalty and points earned. I asked them to close the VISA account, and they did. I asked for written confirmation that this account was closed, and was told they could not send me anything in writing, and that the call was recorded and would be confirmation of the account closing. I am furious that they also would not provide me anything in writing confirming that they have closed the account, and I'm furious that they would issue me a VISA credit card without me ever authorizing or requesting one.

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 2019-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EXPERIAN HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXXXXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX-- NOT MINE 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 XXXXXXXX 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 |

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-01
Company: EQUIFAX, INC.
State: CA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Full Name : XXXX XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXXXXXX TN XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Reappeared ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX  '' After Contacting Creditor Directly And Them Validating The Personal Information With Me. So I Uploaded A Picture Of My Government Issued ID And Mailing Piece That's Attached For Current Correct Address Including IDTheftReport From XX/XX/XXXX And Requesting Updated Corrected Consumer Statement As It Appears On My XXXX  Credit Report : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC. Consumer Statement : OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 2022-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to Portfolio Recovery Associates. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I purchased an adjustable bed base on XXXX, I received a base a few days later but it wasn't the base that I had ordered. So, I contacted the seller by phone and explained to them the issue. They asked for photos of the bed and the labels on the box which I provided to them however they never responded to my emails. So I kept emailing and calling them but the only thing I got was mistreatment from XXXX, the advisor I spoke with on the phone. So, being that I was unable to even have them come to my house to pick it up I opened a claim with my bank stating that I never received the product that I had purchased. After I did that they finally called me back stating that they had scheduled a pickup and that they would refund me my money. They sent a driver by the name of XXXX and another guy and they took my base back but never refunded my money. I sent them multiple emails after that, I called and left voicemails but they NEVER replied again to my emails or ever called me back. They now have the base they had delivered to me and my money and I have nothing. The claim with my bank was denied because I had initially created the claim stating that I didn't receive the item that I purchased because they sent me the incorrect one. Now Chase won't open another claim under the current issue being that I already returned the item but never got refunded. 

Item purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Order date : XXXX XX/XX/2020 Order total : {$1700.00} Order # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Public Records - Bankruptcy sent letter to LexisNexis XX/XX/XXXX 2017 requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I just want to make clear of this i got a letter in the mail stating that i have exhausted my mediation with wells fargo so i was told to take care of this matter in this area. I am very frustrated with wells fargo in how they handled my account. First of all they closed my account not letting me know anything and from because i had reported fraud on my account with multiple charges they said nope your gone took away my priveleges and mishandled my account very unprofessional also how they handled things. Also i been noticing money was missing in my account when i had paid all my bills and such. money was stolen out of my account from the company that had money in my account from when i got paid money from work i really think that they handled that very poorly and charged random fees to my account i do think they need to take better care of their former and regular customers and mislead people. very unacceptable. i think this bank is bad for business because they dont know how to handle peoples accounts. I would like Wells fargo to send me a relief check of up to {$10000.00} in damages not exceeding the amount but anywhere inbetween there would greatly be appreciated just very unprofessional how they took advantage of a XXXX adult very sad

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 2017-05-17
Company: AES/PHEAA
State: FL
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:
After multiple attempts, I finally was able to have Fedloan Servicing accept my standing instructions for how payments in excess of the minimum should be applied. I instructed Fedloan Servicing to apply payments in excess of the minimum to the principal of the loan with the highest interest rate, in the event that XXXX or more loans had the same interest rate, the excess payment should be applied to the loan with the lower balance. Their agreement was evidenced by a message sent to me on XXXX/XXXX/2017, which stated that all payments received after XXXX/XXXX/2017 would be applied in accordance with my instructions. Subsequent to Fedloan Servicing agreeing to follow my instructions, I have sent 5 payments totaling {$2900.00}, none of which were processed in accordance with my instructions. I have tried calling Fedloan Servicing but each time I do, the representative informs me that the payment will be corrected in 2 business days. I have also tried contacting them in writing through the contact us feature on their website, but I ca n't get a response from them ( this is consistent with my experience in trying to set up the standing instructions ).
Filing a complaint here is that last option I have. I have uploaded the agreement sent to me by Fedloan Servicing and the evidence of payments being applied incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After being a customer for well over a decade, the company embedded hidden fees that they did not disclose close to the customer ; particularly sneaky as it's through the XXXX XXXX application. 

There was an old policy that a transaction at a brick and mortar casino is considered to be a cash advance. 

A transaction was made through an online platform that does not have a brick and mortar, casino, component, has social games and other products. This was done through XXXX XXXX where I've made dozens of other transactions all without any fee. 

Since this transaction went through XXXX XXXX, there was no indication that it would be considered a cash advance. 

The company did not disclose this rather the customer had to wait over 30 days to see it on a statement listed as such. 

Upon contacting the company, they had no explanation for why a transaction through a Wallet platform for a company that is not a brick and mortar casino would be considered a cash advance. 

Not only was this charge charged 10 times for a total of {$100.00}, but the company continues to try to collect interest on top. 

Again, their policy talks about a brick and mortar casino as a cash advance, which is understood, but this transaction was made to XXXX XXXX to an institution that has multiple products and services, but hes not a brick and mortar Casino. 

This is unethical on JP Morgans part and intended to increase their profits. 

I am a XXXX and can not afford to waste {$100.00}. Had J P Morgan indicated that this would be considered a cash advance I certainly would not of made this transaction much less 10 of them.

Im seeking full restitution as well as additional compensation for the time that I have put into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
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:
After sending information to verify myself ( XX/XX/XXXX ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX not mine XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine PERSONAL FINANCE XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a Mortage Assistance application after being denied 3x for forbearance because they said I exhausted my time when I used it during COVID-19 being laid off in XXXX. I'm currently unemployed and did the mortgage application on XX/XX/XXXX, XX/XX/XXXX. I have sent the requested documents to the email they gave and no avail and have been calling over a dozen times to get information. I keep on being told different information and not allowed to speak to someone in loss mitigation that potentially can help me. I have sent the requested documents several times and keep getting conflicting information including they have not received anything. I'm only asking for 2-3 months to get caught up as I start back to work f/t next week. The communication is horrible I have to verify and keep telling customer service reps that are clueless and have to repeat my story over and over like already over 50 times. This is very aggravating, stressful, and can't even sleep. I need help!!! And now all of a sudden after speaking with someone I can't access my account online. It's blocked. They won't even email or call.

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 2022-01-27
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX the company Medicredit contacted me about an alleged debt. I responded on XXXX XXXX asking for debt validation. On XX/XX/XXXX, I sent my second response to Medicredit as I only received a medical bill, which does not constitute debt validation. XX/XX/XXXX, I received a total of 6-8 letters with varying amounts due and varying account numbers from Medicredit. Some were duplicate amounts with different account numbers and some had different account numbers with same amts due. I responded to Medicredit on XX/XX/XXXX, again, asking for debt validation, specifically something that bares my signature. As of today, XX/XX/XXXX, I received a notice from XXXX that Medicredit has filed the collection on my credit file. This is highly illegal as I am still in the dunning period and they have yet to verify the debt belongs to me. All my communication to them has been sent certified, which I have receipts of as well as copies of ALL our communication which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This law firm with the name XXXX XXXX XXXX XXXX are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in 2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information 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 explanation
Consumer complaint received 2022-01-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have drafted the following timeline of my entire Coinbase history. Please see the references below. 

Overview : On XX/XX/2021 at XXXX PM : I deposited {$24000.00} on Coinbase Pro. 

On XX/XX/2021 at XXXX AM : I made a {$5000.00} purchase of Bitcoin on Coinbase Pro. This resulted in a {$19000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

On XX/XX/2021 at XXXX PM : I made a withdrawal of {$1000.00} USD on Coinbase Pro. This resulted in a {$18000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

Fraudulent Activity Timeline : On XX/XX/2021 at XXXX AM : The hacker withdrew the entire total of XXXX XXXX ( value of {$6300.00} USD ) to the following Destination Address : XXXX On XX/XX/2021 at XXXX AM : The hacker transferred {$18000.00} USD from Coinbase Pro to Coinbase. 

On XX/XX/2021 at XXXX AM : The hacker made a {$18000.00} USD purchase of Bitcoin on Coinbase, resulting in a Bitcoin balance of XXXX. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker unsuccessfully attempted XXXX transactions that were all canceled. 

On XX/XX/2021 at XXXX AM : I called Coinbase and locked the account for suspicious activity. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker successfully completed 127 transactions, resulting in a Bitcoin withdrawal of XXXX ( value of {$6400.00} USD ) to the following Destination Address : XXXX Conclusion : The total amount of Bitcoin that was stolen was XXXX ( i.e. XXXX + XXXX ) ; In USD, this was a total value of {$12000.00} ( i.e. {$6300.00} + {$6400.00} ) The remaining balance in my portfolio on XX/XX/2021 was {$90.00} USD and XXXX XXXX on Coinbase. 

I would like an explanation on how I locked my account on XX/XX/2021 at XXXX AM and the hacker was successfully able to complete 127 transactions, resulting in a Bitcoin withdrawal of XXXX on XX/XX/2021 from XXXX AM to XXXX AM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I don't know we're this debt. Came from was never contacted or notified or asked for this collection and I have medical insurance

Company response to consumer: Closed with explanation