BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I charged a refrigerator, 5 year service plan and ice connector to my Lowe 's charge card. On XXXX, the refrigerator was picked up by Lowes delivery representatives. The Lowes representative that pickup the refrigerator told me Lowes don't give paperwork when merchandise is picked up. He had me sign on XX/XX/XXXX to confirm receipt of a new refrigerator and I wrote " swap refrigerator '', as he told me I could, then I took a picture of the Loading Ticket. I spoke to representatives of Lowes in XXXX, LA and representatives of Lowes credit card. I was advised around XX/XX/XXXX by representatives of Lowes credit card the issue would be investigated and resolved in 60 days. On XX/XX/XXXX, I called Lowes because that purchase is still on my credit card. I was advised by the XXXX XXXX, representative of Lowe 's credit card, it will take 158 days to resolve the dispute and I need to contact the store because the credit card only handles credit limits, interest, and payments. I asked for a government agency to report the problem to on XX/XX/XXXX. XXXX XXXX advised me to contact the Lowes store and call the same number I called her again. 
Also when an item is purchased with a year of no interest, even though additional payments are made for the merchandise to avoid interest, the money paid is not put toward that item or applied to that item and the interest is applied.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both TransUnion and XXXX  to have these removed to no avail. I havent applied for credit since 2018.

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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX pre paid debit card Bank of America was copied in a card reader and used by an unauthorized user 5x each {$1000.00} each time total of {$5000.00} OnXX/XX/XXXX XXXX all was atm withdrawals that i did not do. I made a claim with Bank Of America 3rd party prepaid and they refused to refund me my {$5000.00} they state I am liable for this. I have been back and forth for over 90 days and bank has denied me 3x times of any refund. This was all monies deposited by unemployment only in this account and no one is being held liable for this fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the executioner of an estate that has a JPMorgan bank account. I have communicated the court order to JPMorgan Chase online and I have sent the court order to a local branch. It is past a month and JPMorgan is giving me the run around of granting me access to the respective account. This is causing tremendous delays in performing my duty as the executioner of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business accounts for XXXX XXXX XXXX, and XXXX XXXX XXXX. were closed at PNC Bank on XX/XX/2019. 

The funds in the accounts for XXXX XXXX XXXX. were {$19000.00} not including the {$21.00} they charged for a service charge for period ending XX/XX/19. I've never paid a fee like that before. It was taken for what reason I do not know. The funds for XXXX XXXX, XXXX. have still not been received. 

The funds for XXXX XXXX XXXX. were {$40000.00} not including the {$78.00} service charge that I was charged for again, I have no idea. I've never paid that before. 
the funds for this closed account have still not been received. 

Today is XX/XX/2019. Amost an entired month without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks at the Bank of America ATM at University and XXXX XXXX, FL XXXX and only one check was credited. A {$5000.00} check from XXXX XXXX did not register and I could not retrieve the check.

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 2020-05-24
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
No lawsuits have been filed. On XX/XX/2020, at or around XXXX XXXX p.s.t. I had a telephone call with Oportun to inquire about a matter. I was transferred 3+ times to various representatives. On part 2 of the telephone call with rep # 2 I asked if the call was being recorded, which the Represenative said that it in fact was being recorded. No notice was given prior by Represenative # 2 that the call was being recorded as required at the onset of each and every phone call. 

This is a violation under California Code, Penal Code - PEN 632.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
ON/BEFORE XX/XX/2020 I OPEN NEW SAVING/MONEY MARKET ACCOUNT WITH CHASE BANK, INCL. {$200.00} BONUS FOR NEW OPENING!! RECEIVED ATM CARD ENDING IN XXXX ON XX/XX/2020!! ON XX/XX/2020 FUNDED NEW CHASE ACCOUNT WITH XXXX FROM EXTERNAL BANK!! REJECTED!! ON XX/XX/2020, AMOUNT OF XXXX WAS REJECTED!! EX EXTERNAL BANK, ( XXXX  ) HAD SUFFICIENT AMOUNT AVAILABLE FOR TRANSFER BETWEEN CHASE & XXXX!! ON XX/XX/2020, CHASE BANK CLOSED MY ACCOUNT!! REASON FOR GIVING> WE COULD NOT IDENTIFY YOU!! AS OF TODAY, XX/XX/2020, MY ACCOUNT WITHOUT AUTHORIZATION IS CLOSED, INCL. 2 CREDIT CARD WITH CHASE BANKING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company put something on my credit report and did not attempt to contact me about this debt in no way. There was no written or phone calls about this debt. They put it on my credit report with out trying to notify me or give me a chance to pay it it is also a lot it late charges on the debt that they want me to pay. My son was staying in the XXXX XXXX XXXX XXXX. We moved out of the apartment dropped the keys off they did not say anything about we owed this debt. I dont think it was fair for them to put this on my account. I called Southern management System about this they was real nasty hung up on me twice. The bill is for XXXX There number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: VA
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-02-20
Company: Experian Information Solutions Inc.
State: TX
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:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.

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 2018-02-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. 

XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX  and XXXX medications. I truly thought that these nice people were trying to help me.. 
This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XX/XX/XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Dream Center Education Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

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 2021-04-27
Company: EQUIFAX, INC.
State: CO
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation