BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Someone withdrew cash from my Chase Bank checking account, pretending to be me. The person withdrew {$2000.00} at two different branches, making the total {$4000.00}. I called the bank to report, but the representative recommended that I would wait until the transaction is posted with more details. 

XX/XX/2022 I called the bank and reported the unauthorized activity on my checking account. I was told that the funds were withdrawn in person at the branch. Both transactions occurred in XXXX XXXX while I was working from home full time. 

XX/XX/2022 I reported to XXXX XXXX Police Department. I called the bank for an update and they requested a copy of my ID to match with the one they scanned. 

XX/XX/2022 I faxed the bank a copy of my driver 's license as per their request. 

XX/XX/2022 I called the bank for an update on my case and was told that my claim was denied and closed as of XX/XX/2022. I asked two questions. 1 ) Was the presented ID matched with the person 's face at the time of the transaction? 2 ) Has Chase verified the person in the surveillance footage prior to the denial decision? The claim specialist wasn't able to provide a clear answer. The person kept saying that I would need to prove where I was at the time of the incident. Why can't they just replay the surveillance camera and verify the person? I worked at home that day and it's not easy to prove it because I just stayed home all day. Now I am in a position where I, as a victim, have to prove that I am not a criminal, and it makes me very unpleasant and unsafe. During the entire process, I was never reached out for more information or cooperation. All I received was a letter to notify the case was closed. The bank never made me feel that I was being helped and protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: MD
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:
Synchrony Bank, offering a Credit Builder credit card for Amazon.com, sent an email staying theyve made test deposits into my account, but it did not specify which account. 
I have never set up an account and have no interest in a credit builder account. I attempted to contact Synchrony Bank, but after 30+ minutes on hold ( XXXX XXXX, 2019 ), I was unable to reach anyone. 
One article, on XXXX, stated theyve reached out and were informed that it was an accident without any compromising info. but I have not been able to independently confirm the accuracy of the story, nor does it explain how they would have gotten my contact information or how they would have known I have an Amazon Prime account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.

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 2017-10-17
Company: Patenaude & Felix A Professional Corporation
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX. 

XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you. 

Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account. 


XXXX XXXX XXXX, XXXX. 
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under La Curacao on XX/XX/XXXX in the amount of {$1000.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BlueChip Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX. 
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me. 
I am recovering from a total XXXX XXXX and these calls are very upsetting. 
XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: LA
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 # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-08-21
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. XXXX is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a letter about my Wells Fargo branch closing in the future about a week ago. Last Tuesday, XXXX XXXX, I called the number provided in the letter, ( XXXX ) XXXX, for next steps as I have a safe deposit box scheduled for closure. I requested an appointment as soon as possible, but because of XXXX and XXXX XXXX closures, my appointment was made for today, XXXX XXXX, XXXX at XXXX. When I spoke on the phone to the branch last Tuesday, I was assured that I would have an appointment at both the XXXX XXXX branch as well as the XXXX XXXX branch where I would be relocating my safe deposit account to. In order to make the transfer, I had to close the box at XXXX XXXX and reopen at XXXX XXXX. The closure at XXXX XXXX went smoothly, however the XXXX XXXX branch did not attempt to make an appointment for me at XXXX XXXX until today, the actual day of the transfer, and only while I was closing my account at XXXX XXXX. Upon arrival at XXXX XXXX, the bankers were not expecting me and informed me that Wells Fargo is having a systemwide inability to open accounts, and has been since Friday, something XXXX XXXX failed to make me aware of. As a result, I was able to close my safe deposit account at XXXX XXXX but unable to open one at XXXX XXXX. As such, I have government-issued documents that are difficult to replace in my possession. After speaking with XXXX from CFPB this morning, at around XXXX PDT, I have decided to file this complaint, particularly in relation to the oversight of being allowed to close my account at the XXXX XXXX branch when the bankers should have been aware that I would not properly be able to open an account back up at XXXX XXXX and because they never made the appointment they promised me over phone at the XXXX XXXX branch until after I was well into the account closure process at 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 monetary relief
Consumer complaint received 2022-07-06
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Issue with Chime app/the XXXX  XXXX  Date:XXXX Amount : {$90.00} I sent the amount of {$90.00} through Chime app to one of my contacts ( this is the second time making a payment for this specific person/contact number ).

The recipient claimed he didnt receive the money. I checked my emails and had emails from Chime under the name of a different person ( not even on my contact list ) I called Chime and the representative I spoke with confirmed the money was sent to the wrong person due to a system error, but although it was an internal mistake, they still didnt refund me the amount nor attempted to resend to the correct beneficiary, instead they opened a dispute claim # XXXX. 
A few days later I received a denied dispute email from Chime. 
Meanwhile I got harassed due to the fact chime failed to send my payment to the right person, Later had to resend the same amount this time using XXXX  and my {$90.00} are nowhere to be found and Chime doesnt seem to be able to explain where did my money go

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My Name Is XXXX XXXX, i was trying to get my medications when my card got declined, I did nothing wrong and when i called i was told to do id verification which i did twice, even sent them my identification documents through USPS and i confirmed it was received, US Bank is holding 14000 of my money, i called US Bank, they said its identity verification, I told them i did that which they confirmed, next day i called again they said its the unemployment office who closed my relia card, i called unemployment, i was told my claim is verified and in good standing and they see no reason why US Bank should deactivate my card, i called US Bank, i was on call with the Unemployment office too that very moment, US Bank said it was unemployment office, which the Ohio Unemployment Customer Rep told a supervisor to speak with US Bank because no notes on my account from the unemployment office, that US Bank is holding my money unlawfully, i called US Bank, I asked of a supervisor, he said there was a note on my account from the upper office not to release my money or issue a replacement card, that there is nothing he can do to help me, i told him i am XXXX  and my health is failing, he asked me to tell it to the state agency, i went to church on sunday and discovered US Bank has been doing this for so long ... I have 140000 there i cant access in my Relia Card, it wont even let me login, i really regret using the relia card, i am planning a class action lawsuit towards this bank, my health is failing and they are witholding my money, my condition is very critical, Us Bank should reactivate my card or issue me a replacement card, i commited no offense, i asked what is the note on my account, They said they cant tell me the reason why my account is closed..i am XXXX  please someone should help me. Card ID : 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 2017-08-07
Company: Debt Recovery Solutions, LLC
State: IL
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:
Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I received a notice indicating there was a change in my credit score. When I review my score, it had declined by 17 points. I checked XXXX, XXXX  and Transunion, there was not an explanation given as to why. I've continously reviewed my credit bureau for an explanation, however, there are no justifications listed as to why. This decline appeared in XX/XX/XXXX or XX/XX/XXXX. I would like to understand why there was a decline of 17 points on my score.

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 2018-09-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am filing this complaint against Care Credit/XXXX XXXX for an account I had with chiropractor, XXXX XXXX of XXXX XXXX. I have been billed for services I have never received such as cold laser treatments. I was told I would pay for one visit and get one free. In addition, XXXX XXXX told me he would bill Medicare for some of this care. I contacted Medicare and they said XXXX XXXX Never submitted a bill to them. THIS IS FRAUD, plain and simple, perpetrated against a senior citizen. Prior correspondence from a XXXX XXXX, Senior Specialist, Corporate Consumer Relations at Synchrony, made No sense. She said they could not judge the quality of service. THIS HAS NOTHING TO DO WITH THE QUALITY OF SERVICE, EVEN THOUGH IT WAS HORRIFIC, IT HAS TO DO AS I STATED ABOVE, WITH being billed for services not received, being told one thing and XXXX XXXX doing something else. I called XXXX XXXX   today again and spoke to someone by the name of XXXX. She said there was no one at Synchrony by the name of XXXX XXXX. I said I have the letter right in front of me. This situation is outrageous. My bill should be down to {$150.00} and nothing is resolved. XXXX XXXX Never came up with what he billed Medicare because he never billed them ... he lied, plain and simple.

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 2017-08-21
Company: POPULAR BANK
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: Account status incorrect

Complaint:
I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation