BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I requested a deferment on my loans due to the COVID-19 pandemic. Since this has brought on extreme financial hardship to me. My expenses have increased and it has affected my budget. The loan company AES has denied my request for forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification from my XXXX account on XX/XX/XXXX that my score dropped due to a collection agency who purchased the debt from XXXX , attempting to collect a debt of {$420.00}. I do not have a contract or know who they are or why they are trying to collect this debt that has been settled with XXXX and myself. They first tried to collect {$470.00} on XX/XX/XXXX and lost XXXX points, I was able to dispute it through the XXXX app and it disappeared for a month or XXXX, then it showed up today XX/XX/XXXX and I lost XXXX points. They are now attempting to collect {$420.00}. Which again is inconsistent with the original said debt. This debt has been settled between myself and XXXX, however they are not in contact with the debt collectors who are attempting to collect and can not intervene to stop the collection of this false debt. Attempting to remove this myself working with XXXX has led to me needing to report this to CFPB so that my credit is no longer impacted with a bad debt that is untrue.

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 2015-09-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XX/XX/2007, I took out a private loan with XXXX XXXX in order to obtain my XXXX degree. At the time of this loan, I was mislead in the amount of penalties and interest rates that I would accrue. A loan that was initially for {$800.00} dollars, soon became a bill of nearly {$3600.00}. Despite the hardships my family endured, we were continually harassed. I worked with the company as well as I could, but most times they were n't even willing to talk to me. I eventually settled and paid the loan off through a collector for {$1500.00}. Only a few months later, I started to receive calls from another collector looking for repayment on the same loan. I called them and called the company I had previously paid. I 've sent letters to show my debt was already paid. Yet every few months ANOTHER creditor calls me attempting to obtain payment for the SAME debt. When I contacted XXXX XXXX to find out if they could fix the problem, I was informed that my loan had been transferred to Navient. Navient has " sold '' my student loan to multiple collectors. Despite the fact I have paid my debt ( XXXX XXXX ), I periodically will receive new collection calls for a loan that has been already paid. I find it ridiculous that I have to track down all the collectors my loan has been sent to in order for the calls and harassment to stop. The company I paid swears that they have informed Navient that my debt is settled and at least XXXX of the collectors told me ( XXXX ) told me they had RECENTLY obtained my debt from Navient. Despite it having been settled since XX/XX/XXXX. Surely there is something that can be done to end the calls. This is ridiculously. First I am misinformed on the amount I have to pay back, then I finally pay back the amount and continue to be harassed. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/2015 my Aunt left monies and trust to undersigned of which Funds were withheld by Suntrust Bank Account 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 2017-07-05
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.

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 2021-10-28
Company: Experian Information Solutions Inc.
State: CA
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'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.

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 2021-11-02
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I received a letter from Kia informing me that I had an outstanding balance of {$2600.00}. I have never missed a payment and have a copy of my payment history showing that I had not missed a single month. I made a phone call and spoke to a CSR Ms XXXX, who told me that she would have the finance department look into the account and would contact me. Since then I have not heard anything, but when I checked the website the " debt '' had been removed. Today when I went to make a payment, it shows no payment is due. The payments are due on the XXXX of each month. I went ahead and made a payment even though the balance said " XXXX ''. 

This is not the first time I have had a problem with Kia Finance. Two years ago I was making payment on my XXXX XXXX XXXX. The payments were being transferred to the account for my XXXX XXXX XXXX which I had sold back to the dealership. I got this corrected after several phone calls.

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 2022-09-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi -Sears XXXX , will not issue my refund to my credit card. The item was returned to Sender-Merchant on XX/XX/2022 who is XXXX. XXXX issued the refund which is confirmed by their " Email Confirmation '' but Citi Bank is keeping my refund which is illegal and will not give the credit back to me. I provided the USPS Tracking Number to them which Citi Bank -Sears can see the XXXX item was returned back on XX/XX/2022. 

On XX/XX/2022 Statement attached, according to my Citi Sears Statement, this XXXX item is back on my statement twice as {$130.00} as recharge when the item had returned and refunded by the Merchant months ago. This is not right, plus I am double charged for a item I don't have and was refunded by the Merchant. 

Then on XX/XX/2022, Sears sent me a letter ( attached ) stating I have to unfairly pay for the XXXX Item that was returned to the Merchant UNOPENED since XX/XX/2022. 

This is not right and not justice. I feel like I am being SCAMMED by Citi Bank XXXX to keep my refund and to double charge me with interest for a item I properly returned months ago.

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 2016-12-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
After acquirring XXXX XXXX XXXX XXXX on XXXX of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that XXXX XXXX XXXX told us to tell them they continue to call multiple times a day.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2022-09-11
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I listed furniture on XXXX XXXX, buyer contacted me, wanted to buy and opted to pay me {$500.00} via zelle. Got email from Zelle saying they had the funds on hold as my checking account was not a business account and buyer had to send me {$350.00} to upgrade my account to business, then I had to send back {$350.00} to buyer and show the proof, then Zelle would release {$850.00} back to me. Then Zelle sent email that buyer 's account was charged {$350.00} in duplicate and Zelle could not refund him the {$350.00} as it was already in its system and could not reverse so asked me to send additional {$350.00} and they would refund me {$1200.00}. Otherwise they would not be able to release the funds. Then Zelle asked for {$700.00} for a Certificate Fee which would also be refunded to me. My bank stopped that payment, fortunately. Yes I fell for a scam to my horror for the first time in my life. As it's Zelle the {$700.00} ( $ XXXX ) my bank is unable to recover the funds. Is there anything that Zelle can be responsible for in this situation. I believed the emails were actually coming from Zelle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: TN
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:
on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( XXXX, XXXX, AND EXPERIAN bout these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, my client deposited over $ XXXX in XXXX XXXX checks to open a savings account at Chase Bank . Interest then accrued and was paid to the account. 

On XX/XX/2022, the Chase Bank account statement reflects all money was withdrawn and the account was closed. 

My client has not received any funds whatsoever as of XX/XX/2022. 

Chase Bank first said a check for the account funds was sent by mail to my client 's XXXX, FL address. That check never arrived. 

Chase Bank then said they weren't authorized to send my client any check, so no check was sent. Chase Bank also said because the original checks were from XXXX XXXX ( US ) in US dollars but the checks ' maker was in XXXX, they were not able to verify the checks and are unable to call outside the US. The XXXX  maker said the funds had already been transferred, so they can not cancel any checks. 

Chase Bank then said my client had to go in person to a branch with 2 forms of ID in order to discuss the account. On XX/XX/2022, he did go to an XXXX, FL branch, but was told it was a " back office '' issue and they could not provide any other information. Branch escalation also had a case file, but referred us to the " loss prevention department, '' which still has not provided any information on the location of the funds and how my client can get his money back. 

Chase Bank continues to hold on to the {$1.00} million of my client 's funds ( 2 months after they were deposited at Chase ), closed my client 's account, and refuses to return the funds to my client. 

The funds were meant to make a real estate investment, which my client has not been able to close due to the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have file 4 disputes to XXXX  and Transunion about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked XXXX  and Transunion their method of verification of how this debt was proven to be mine. XXXX could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how XXXX  and Transunion were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.

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 2022-04-14
Company: EQUIFAX, INC.
State: NC
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 submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX Equifax and XXXX has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 i was charged {$240.00} for a Refund Reverse from XXXX for a product i already was redunded for. I spoke with XXXX they said they did not dispute the refund. They granted me my refund. But Cash App claims that they disputed it and charged me an additional {$240.00} to my account. Leaving me at XXXX i need help. Ive reached out to Cash App they tell me reach out to XXXX. XXXX said they didnt take my money. They tell me reach out to Cash App. Its just frustrating and i have a monthly budget. I couldnt pay some bills because of this. And i still have no help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.

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