BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a care credit card with Synchrony Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Synchrony and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called Synchrony again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Synchrony. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.

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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During XXXX and XX/XX/XXXX, and XX/XX/XXXX, I attempted to pay on a negotiated debt settlement with Bank of America through a checking account at XXXX XXXX. I was told by Bank of America that XXXX times it attempted to acquire the funds via an XXXX debit, which was a fabrication, as XXXX replied that BofA used electronic checks with me as signatory to request payment, which XXXX does not honor. After speaking to a litany of BofA employees over a period of approximately XXXX weeks, who relayed false information, at the suggestion of a XXXX worker I moved the funds to another checking account to avoid future problems, then informed BofA of the change, requesting payment come from that account. For the fourth time BofA charged the original account in the same way, electronic check, while insisting it was an XXXX transfer, and once more, the attempt was rejected. Neither Bank of America or XXXX informed me these actions occurred, resulting in a long delay of my knowledge of them with attempts to rectify the situation to no avail. It resulted in a pattern of contact with both banks, even once a XXXX way call in which XXXX dept employees of both banks blamed each other for the problem. They left me, as the customer, at an impasse and with no recourse.

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 2023-11-28
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute for an unauthorized transaction of {$270.00} to XXXX. Cashapp denied that dispute. 
I then went to target who said the transaction does not exist in their records and stated that cashapp never once contacted them to confirm that!!!! Everytime I call now to get an explanation I get hung up on. 3 people have just completely hung up on me because they dont have answers to my simple question. I will never stop posting everywhere and anywhere possible to try to get the word out to people that cashapp Will completely rob you and there is absolutely nothing you can do about it after the fact. Please, if you have kids or a life choose somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these Convergent Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I have no knowledge of this account and filed a report an online fraud report already. I have disputed this through the credit bureaus and no action was taken, nor was proof of the investigation provided to me. 

Debt amount is showing as {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened US Bank XXXX checking account. Money was deposited from spouse into account. Tried to transfer money out of account to another of my business accounts ( XXXX XXXX ). US Bank responded by flagging the activity as fraudulent and closing the account without giving me any opportunity to verify the activity. 

I have reached out to the company several times since then ( been at least 60 days if not more since I was told the account was being closed ). Each time they tell me they're working on it and can not provide an estimated timeframe when I will receive my remaining balance. They are holding my money hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 2 fraudulent accounts and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
nothing they stop me from printing check the were reverse payment the company has failed to return the check to me as requested they added a mortgage company i do not know or authorize buy me nor do they or have rerurned my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX, XXXX XXXX ******, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of the XXXX data breach - delete this account immediately Collection : {$310.00} Opened Account status Type Responsibility Remarks Original creditor name XXXX XXXX XXXX ( XXXX mos ) Open Individual Consumer disputes this account information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: PNC Bank N.A.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023, I visited PNC BANK to extend credit in relations of purchasing an automobile. I informed the teller that I wanted to first deliver my disclosures, and to exercise my Rights under 15 USC 6802 ( b ) before completing the credit application. I explained that I was opting out from having all non personal information of mine being shared with any non-affiliated third parties. The teller then informed me that I would not be able to complete this transaction because its company policy that my non personal information will be shared with non-affiliated third party 's. The teller informed me that it is company policy to share my non personal information to the consumer reporting agency 's, which are non-affiliated third parties to this transaction. At the conclusion of this conversation, I Informed the teller that it is my federal Right to opt out from having my non personal information disclosed and I should not be denied the opportunity to do business with this financial institution because I have exercise this Right. The teller stated that he is sorry, but he must uphold and follow company 's policy first. I then informed him that company policy is not law, nor does company policy trump/supersede federal law. I was then asked to leave the facility by the teller and I was escorted outside by the security guards. CFPB, please assist me in this matter, I was denied services because I chose to exercise a federal Right under law. A consumer should not be denied service because they're choosing to exercise their Rights, this is discrimination. Please help assist, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: AZ
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now Im getting denied for credit cards and loans to help my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: College Foundation, Inc.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
College Foundation Inc. and XXXX- well, it's hard to sum up. But, it appears that while I was in law school, my mother took out some loans in my name. It is clear from the amounts and dates that they were not for tuition or housing. I have disputed these for many years, and despite them being PRIVATE, the XXXX XXXX  apparently backed them or bought them, or something. I disputed them for many years with them. Eventually, I stopped paying the XXXX XXXX XXXX XXXX because the things were just growing and they would not agree to anything reasonable to resolve them even though they were disputed ( and private and past any statute of limitations which should apply to private loans ). Then I got sued. I filed my disputes then, statute of limitations, personal jurisdiction. The judge ignored these and has also ignored the affidavit from my mother stating she signed for these loans. Jurisdiction was allegedly based on the fact that I " signed them '' in XXXX  - however, there is NO EVIDENCE that I signed these. They did not have a notary or anything, and yet there is evidence that my MOTHER signed them. I have spent way too much energy trying to deal with this without any help. There is also no evidence that the funds were ever disbursed to me. I have requested it, but they have not provided it in discovery. They supposedly supboenaed XXXX XXXX XXXX, but I have received nothing from that for over a year indicating there's any evidence that this money ever benefited me in any way. In fact it's negatively impacted my credit for my entire adult life.There 's only room for me to select one company but it started with the College Foundation Inc and moved to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DEPTEDXXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DEPTEDXXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was hospitalized I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my hospitalization.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted this institution to dispute transactions and I explained that because of these transactions I have less than a dollar to my name and I requested that I receive an expedited temporary credit to my account so that I could live as I can not live on {$0.00}. 

Instead of assistance I was laughed at by a rude, uneducated, illegally hired foreign representative who basically said too bad I dont care I am sitting on this for over a week. 

Upon being informed that their refusal to comply with my request would result in a federal complaint, Chime continues to refuse to comply and sit on money that I desperately need.

Company response to consumer: Closed with explanation