BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX I called Synchrony Bank customer service XXXX regarding my Amazon Prime Store Card account ending in XXXX. Discussed the following : My statement due XXXX shows new balance of {$1000.00} or total minimum payment due of {$53.00}. Within the new balance, {$570.00} charges on XXXX, were promotional 12 equal payments 0 % APR. However, no where on the statement does it provide the amount of the 12 equal payments nor show the adjusted balance. I am supposed to do the math myself. I was on auto payment and within the online payment resources, no where does it provide the adjusted balance. It offers the same amounts discussed in sentence two above. My phone call was a total of 40 minutes and included a regular rep and accelerated to supervisor. No one could tell me why the statement does not provide crucial payment information and balance adjustments. 

After the above phone call, I called Amazon to report Synchrony 's, I believe, illegal monthly statement. The rep, XXXX, told me he would transfer me to a Synchrony rep who is trained to deal with this problem. I accepted only because I asked the Amazon rep to follow up with me in two hours. I anticipated the same issue I had earlier, and that is what happened. No one can even tell me my adjusted balance. The rep, XXXX, told me I had to call Synchrony monthly for 12 months and ask the adjusted amount that is due. 

This is preposterous and disturbing management. I feel I was lured into a bait and switch situation. I have never seen a statement with monthly deferred payment presented like this, see attached.

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 2022-08-24
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I starting going to school at XXXX XXXX. I graduated in XXXX. They took out XXXX in private student loans. I didnt realise at the time that they were extreamly high interest. Today I know owe XXXX. 

I have only paid XXXX in principle and XXXX in interest. I have paid XXXX over the origional loans in just interest. I have had these loans for 17 years and owe double the origional loans. 

I have seen multiple lawsuits against ITT tech and others have had their private loans canceled. I have spoken with Navient countless times and their only options are do an interest only payment to get it to a payment I can afford. Thats just adding to the issue. 

Please help get these loans canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: U.S. BANCORP
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made in XXXX XXXX by someone who is not me. Initially, the bank refunded the charges. Then after their " research '', they recharged all the charges except XXXX. The difference is approximately {$700.00}. 
I was told today that the " research showed '' the card was " used in person '' despite being with me in XXXX  There were charges by me in XXXX, XXXX XXXX  where I work ) the day before the fraud and I called to claim fraud the day after they posted. 

I have canceled the card as of today.

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 2022-10-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-10-25
Company: D&A Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received several emails ( on XX/XX/22 ) from XXXX XXXX XXXX stating I am late with my payment. I physically went into our local XXXX  XXXX XXXX and let them know I do not have an account with XXXX  XXXX XXXX. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} I reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to XXXX XXXX XXXX, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NY
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX XXXX has XXXX my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. 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 2022-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo has created fraudulent checking and savings account 's for the last year and a half and two years. Wells Fargo advised me in my last complaint these " Fraudulently '' Created account 's submitted with my information that was not accurately reported, and that the account 's were not authorized by me, but instead from an identity thief. I did not, sign any account opening documents and I have not opened any account 's with Wells Fargo. These account 's were opened originally as part of Wells Fargo new account scandal where they were opening account 's without peoples knowledge. I advised Wells Fargo I have never had any account 's with Wells Fargo, These were opened from an identity thief, and Wells Fargo advised they agreed a thief opened these via a letter they sent me. Wells Fargo has alot of phishing emails going around also, Alot of scam emails. I do not open these. I am not sure where to report these, However. I was going to talk to a banker about opening an account at some point since I have never done so at Wells Fargo. The banker informed me that Wells Fargo and or it's affliates can not open account 's for me because of a " Past Relationship '' I do not have a past relationship. As I stated before I NEVER HAVE HAD ACCOUNT 's with wells fargo. You even agreed the phone number XXXX was a fraudulent number. I have confirmed XXXX shut this number down. I have not applied for account 's with your bank and I have not opened any. No Savings, or Checkings accounts. So how can I have a past relationship if these were opened from a thief?

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 2022-08-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
We applied to purchase some cars at XXXX of XXXX XXXX in XXXX XXXX. 


I was told that we as a company were approved for vehicles we wanted to purchase at their dealership. There was an error in the way they structured the deal ( their fault ) then realized they would need to submit that to their business customer support channel and would take days to get a response. They advised it would take approximately 2 days and get back with me to come and purchase cars. In the meantime they sold to highest bidder even though we had ordered cars for us, even though they pulled our credit. 

This is infuriating to say the least, why? Because we have worked for year to establish tier 1 credit, sweat equity, as well as a lot of things to figure out how to come up with large amounts of cash to pay off loans and sell our old inventory to bring in the new and literally just be left hanging because they made a few extra dollars on a deal. 

I don't mind them making money, the problem is pulling the credit, telling us we were approved and then blame it on " you weren't approved '' all the while cars were listed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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:
XXXX is reporting to the credit reporting agencies that I opened an account with them. I never opened an account with them. I never applied for a card and I never signed for a card with XXXX. The card they are reporting on my personal credit report belongs to someone else who added me as an authorized user only. I am not now nor have I ever been financially responsible for paying the credit card balance. XXXX would not produce documentation to support their deceptive reporting that I opened a credit card with them when requested. I called and spoke with XXXX supervisor after very lengthy hold on the line. The supervisor at XXXX used words like we assume and generally when addressing my questions. and eventually he terminated the call which they said was recorded beginning at XXXX Eastern Time on XX/XX/2023. This unfair and deceptive practice has negatively impacted my credit rating at all the major credit bureaus. I advised the Supervisor I would file a complaint with CFPB and so I have. I do not have any other option and hope you will take corrective measures against this abusive treatment.

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 2022-12-28
Company: Solar Mosaic LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I agreed for a solar company, XXXX XXXX XXXX XXXX XXXX, to install solar panels on my roof. XXXX put me in touch with Mosaic for the financing of the project in the amount of {$42000.00}. It took me until XX/XX/XXXX to finally get all of the panels installed. My electric provider ( XXXX ) notified me on XX/XX/XXXX that XXXX had not responded back to their requests for the interconnection. So I called XXXX on XX/XX/XXXX to inquire about this. They sent a person out to my house the next day to acquire some information which they said would be submitted to XXXX. Two weeks went by and XXXX contacted me again saying they had not heard anything. So I started trying to call every XXXX  phone number that I had and got no answers or callbacks. This was on XX/XX/XXXX. The next day I called XXXX and asked them what I needed to do to allow a connection to be made. They gave me a list of 3 things that needed to be submitted. So I gathered that information and emailed it to XXXX. On XX/XX/XXXX, a XXXX meter technician came to my house and installed a new electric meter which would measure power coming in from the solar panels. We threw the breaker switch for the panels and, unfortunately, nothing happened. In speaking with others about this company, they all have had the same experience. Panels installed that are not operational! I called another solar company and they were nice enough to advise me to cancel my loan financing agreement. I have had two payments already withdrawn from my account. So, I contacted Mosaic on XX/XX/XXXX and filed a complaint with them asking them to cancel our agreement. They sent me an email and said they would contact XXXX to get them to come to my house and finish the project. They also supplied a phone number for XXXX to me. I called the number for a solid week and never received an answer. I left messages but never have received any callbacks. I called Mosaic again on XX/XX/XXXX to check on the status and they said they were still awaiting a response from XXXX. I called Mosaic again today ( XX/XX/XXXX ) and they said they were still awaiting a response. I told them they would never get a response because this whole thing was a scam and I wanted this loan canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
writing on behalf of my client ( XXXX XXXX XXXX XXXX ) who is dealing with the recent death of her father. XX/XX/XXXX she settled on the sale of her father 's house. proceeds check for over {$300000.00} was to be overnighted to her ( XXXX XXXX XXXX XXXX ) policy. Check received XX/XX/XXXX. She deposited the check at Truist Bank ( located in PA but chartered in NC ) and was told the funds would not be readily available to her <to pay inheritance tax and other expenses> A day or XXXX later she was told by the XXXX XXXX who issued the check that the funds had cleared their bank. But Truist still refused to release her funds. It was not until XX/XX/XXXX that she had access. Regulation cc states funds may be held for a reasonable amount of time. Is 10 days reasonable? This was a XXXX XXXX check - guaranteed by the title co. Had she taken that check to another settlement for the purchase of a property it would have been readily accepted by another title co., but not by Truist bank. Who is profiting from these funds sitting at Truist for 10 Days...

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 2023-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. XXXX and Experian have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. XXXX and Experian have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase is refusing and not honoring the sign up bonus of 150,000 points. I am suppose to get : 125,000 after spending {$3000.00} in the first three months, then an additional 25,000 points after spending {$5000.00} in the first six months. On XX/XX/2022 I received my Chase Marriott Bonvoy Credit Card. Chase had this promotion referenced above however while waiting for my points to post I noticed that Chase has me registered with the incorrect sign up bonus ; instead they gave me three 50K point vouchers for hotel stays. On XX/XX/2022 more or less I reported this immediately to customer service and they told me they will submit a claim to the promotion department to have this corrected. Today XX/XX/2022 I received correspondence from Chase that I am not eligible for the bonus offer. This is a major oversight with Chase. I have reached out to them numerous times to review and discuss this matter and all the representatives I speak to are all in agreement with me and have taken initiative to report this discrepancy to the responsible department, however they are not assisting or correcting this matter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my account XX/XX/XXXX to recieve my payments from selling Bitcoin Via XXXX. I didn't have a Debit card yet so I attempted to send my funds ( XXXX ) to my step Dad and Instead my account was locked. When I called and explained the problem and What I was trying to do The person on the phone asked will I be sending money to him often I said yes he acted like he u der stood. He told me to try again in 30 minutes so I waited an hour, tried again and my account was locked again. I called a second time, this time I was told to make smaller payments or move the money outside of XXXX so I sent a smaller payment of XXXX 2 days later on the XXXX. My account locked again and when I called they told my they will not open it again and my funds will be sent out in 7-10 business days. For weeks I attempted to send proof of my payments and no one accepted them until XX/XX/XXXX I called and someone finally told me I could send in proof. I go in the next day on the XXXX and fax over my proof of purchases as requested. I sat in the Bank for an Hour and the man there sat on the phone and pretended to transfer my information over and verify me. I left and waited for weeks and nothing happened but for sim reason the bank was sending letters saying they took money out after I've sent all my documents and proof. So I called the XXXX and they told me they see the request to send in proof but no one ever sent it in and he didn't know why either. He told me redo it and this time send it as a XXXX bc I was never supposed to fax it so I came in the XXXX and resend them to the man at the other branch in XXXX. I've still been waiting for new information no one has sent anything and I have been struggling and behind because of it. Every time I listen to the bank they make it worse for me every move I made was bc they told me to do it and then they lock my account and treat me like I did something wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX  XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MA
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 applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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 several inquires on my Experian Credit Report for XXXX XXXX which I did not request or authorize. I have contact Experian via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks

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