BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-18
Company: SYNCHRONY FINANCIAL
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This is to complain on the fraudulent activity of the SYNHRONY bank, affiliated with Amazon Internet store. I made XXXX purchases that were applied against Synchrony Credit card. The first statement I received at XXXX XXXX 2016, which showed amount {$200.00} while I owed {$110.00} for my purchases. 
XXXX XXXX 2016, I had send letter to Synchrony bank along with my check with payment the whole amount I owed for my orders. This payment was made within the grace period, so no any late fee must be applied. ( See Exhibit XXXX ). 
XXXX XXXX 2016, Synchrony bank send me confirmation of my payment. ( See Exhibit XXXX ) XXXX XXXX 2016, Synchrony bank send me another letter, in which they continued to extort from me illegal charges {$87.00}. ( See Exhibit XXXX ). 
XXXX XXXX 2016, I send letter asking Synchrony bank to remove illegal charges from my account, otherwise I would considered it as a fraud. ( See Exhibit XXXX ). 
XXXX XXXX Synchrony bank notified me that they removed part of these charges, but {$20.00} remained as outstanding balance. ( See Exhibit XXXX ) XXXX XXXX they send me Email, continuing to extorting money from me. This time they made {$58.00} charges for nothing. ( See Exhibit XXXX ). 

Please protect me against Synchrony bank 's fraud and distortion.

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 2015-08-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank was called on this before, and they are doing it again. Often times I have enough money in my account to cover a smaller check, but they will debit the largest amount first, then charge overdraft fees on all the remaining items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. 

Increase my credit line back where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion has mutiple error on my credit report i have contact numerous times to get items removed and the only option they keep giving me is to make a report with you guys they have the address listed below on my credit report and i have never lived in New Mexico in fact i have never even traveled there please do what is right get them to remove. 
Address : XXXX XXXX XXXX XXXX XXXX, NM 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked onemain XXXX XXXX XXXX XXXX card XXXX card 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 non-monetary relief
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 I purchased a XXXX XXXX from a local XXXX dealer. I was trying to get financing through XXXX bank but opted to go with the Chase since XXXX could not process the loan application before the vehicle was scheduled to be picked up. On XXXX XXXX 2015, I received confirmation through the mail that I had received financing from XXXX. On XXXX XXXX 2015, I visited my local XXXX bank and decided to utilize the loan from XXXX since the terms of the loan were better. XXXX initiated the loan process and sent a check to Chase on XXXX XXXX, 2015 for the amount of {$30000.00}. According to the copy of the check I received Chase cashed the check on XXXX XXXX, 2015. Assuming the process was complete I started making payments to XXXX in XXXX of 2015. 
On XXXX XXXX, 2015 I received a letter from Chase indicating that my loan payment was due. I contacted Chase to explain that XXXX held the loan for the car and the Chase representative stated that Chase held the loan for the car. I contacted XXXX in XXXX in an attempt to determine why I was being contacted by Chase regarding a loan that I thought had been paid off. For the last XXXX months I have been forced to make payments to both XXXX and Chase for the same car loan. Chase has done nothing to resolve the issue. Personnel from XXXX have tried to determine how a check was sent to Chase, the check was cashed by Chase but no one at Chase seems to know where the money has gone. 
To date, no one from Chase has ever contacted me regarding this matter. While I have repeatedly contacted them with assistance from XXXX. Each time contact is made, I am told that I will be contacted by someone from Chase with information pertaining to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Sunset Management, Inc
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Convergent Resources, Inc.
State: IL
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 Convergent Outsourcing is reporting to XXXX and XXXX on my consumer report that a debt is owed to them. I have not received any information regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and hampering my ability to obtain credit.

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 2015-11-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: IL
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:
Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates XXXX5 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.

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 2016-10-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Platinum Holdings Group, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A person named " XXXX XXXX '' has been calling regarding a debt I do not owe, plus he called my parents in NC to discuss the debt and say that he needed to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account Below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested a copy of my consumer report from LexisNexis Risk Solutions Group pursuant to the California Consumer Privacy Act and the federal Fair Credit Reporting Act. I received the requested reports from LexisNexis, which were dated XX/XX/2022. I subsequently attempted to exercise my rights under the CCPA by requesting LexisNexis to delete my personal information by filling out a form on their website on XX/XX/2022. In making my delete-my-personal-information request, I provided the very same information that I provided earlier when I requested a copy of my report. In response to my request to delete my personal information, LexisNexis responded in a letter dated XX/XX/2022, that they have been " unable to locate information sufficiently matching your data. '' This is difficult to believe. They had no trouble locating my consumer report when asked for a copy, yet when I requested my personal information to be deleted, they suddenly are unable to locate my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold.

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 2015-12-11
Company: Jon Barry and Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Company calls after I sent a written Cease & Desist notification. Also, robo-calls using an ATDS to my mother 's mobile. I have previously provided both the Company and its client documentation regarding my father 's death and that I am the executor for his estate and POA for my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Unifin Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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 information incorrect

Complaint:
15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have not been able to obtain my credit report or score for over a month. The last time that I could access my credit report was XXXX/XXXX/2016. Since that time I have called everyday to try to get this corrected and I have not been helped. I have spoken to supervisors within the credit monitoring department and they have placed a total of XXXX tickets to have this resolved and keep promising me that it will be, however it never has been. I have been promised phone calls back countless times to tell me why I could not access my credit report and when it would be corrected, but not one person has called me back about this. When no one called me back I contacted the corporate office and was then promised a call back from them as well. I never received a call back not from anyone. I then contacted XXXX XXXX XXXX the Vice President of Information Services with Experian and requested that she call me back on two occasions, and she never called me back. I sent 5 emails to XXXX XXXX XXXX requesting that she call me back, but she has refused to call me back. I have been in contact with more that XXXX people at Experian and explained that I am not able to access my credit report since XXXX/XXXX/2016 and requested help from all of them and to date not one of them have assisted me and not one of them has even bothered to call me back. 
This presents breech of contract because I paid for a service that I ca n't use. I have also been provided this service as a part of a security breech at a company to help monitor my my credit because of the breech, and this service is not working so this is yet another breech of contract.

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 2022-06-02
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX  XXXX acct was just transferred to Marcus by Goldman Sachs. NO WHERE on my account is my interest rate, my available credit, nor how payments are being applied. It has virtually zero information that is required to be accessible to consumers. They are not above the law just because they're Goldman Sachs, they must have this information EASILY accessible and transparent to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check. As of XX/XX/XXXX, the funds are still not available in my account. Chase has not given me a reason, for why the funds are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation