BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an interest free card through XXXX XXXX with Synchrony Bank. I had a 1year interest free promotion where if I paid in full by XX/XX/XXXX I would not have to pay any interest. 

I called on XX/XX/XXXX at XXXX XXXX and spoke with customer service for 14 minutes and 8 seconds. During that call I explained I was calling in to pay my balance in full which was approximately {$1800.00}. The customer service representative PROACTIVELY OFFERED TO ME the option for another 30 days. I did not ask for it, nor did I need it, but she told me that the company always offers an additional 30 days and if it is paid in full there is no interest charged. I accepted her offer. I called again on XX/XX/XXXX at XXXX XXXX and spoke for 18 minutes and 50 seconds where the customer service representative confirmed that Synchrony bank always offers an additional 30 for the promotion and that I would not pay additional interest. 

On or around XX/XX/XXXX I received an alert that my credit had plummeted 18 points because my debt to credit ratio increased. Synchrony bank reported to the credit bureau that my usage increased as a result of them reporting an additional {$750.00} in fees as a part of my balance. I was in the process of getting a loan and could not because of the drop in my credit score and increase in my debt to credit ratio. 

I called on XX/XX/XXXX at XXXX XXXX and customer service had me on hold for 59 minutes and 54 seconds. I used my other line to call again at XXXX XXXX. After the first line was disconnected I was on hold on the second line for another 22 minutes and 27 seconds. That customer service representative asked me to hold while they got a supervisor and then disconnected the call. No one called me back. 

I called a third time on XXXXat XXXX XXXX  and spoke with someone for 38 minutes and 45 seconds. He explained to me that he could not correct the incorrect balance that was reporting to my credit. Before they added interest my balance was {$1800.00} with a credit limit of {$2700.00} balance. Because they added the interest to the balance it went to {$2500.00} of {$2700.00} which plummeted my credit score. He stated that he would submit a dispute but that it would take 30 days to come off of my credit. Then he said he submitted a complaint to escalate it and have it corrected by XXXX but that it would only report that it was paid in full, they would not be able to correct that the increase was an error. 

The last issue is that both original representatives told me the full balance was due by XX/XX/XXXX. No one mentioned at all that I still needed to make a payment by XX/XX/XXXX. As a result, they charged me a late fee of {$40.00}.

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 2016-04-12
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo closed credit card account for local Home Furniture store due to inactivity. This account was opened XX/XX/2013 and used to purchase furniture. We were not aware the terms meant they could close it due to inactivity. People do not go out and buy furniture on a whim just to keep a card active. Never notified that they were closing this account. Do not want ill affects on credit report/score due to this!

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 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello my name is XXXX XXXX, Ive had my account frozen through XXXX XXXX for some time now. Ive reached out to them multiple time. They informed me my account was on hold because it was not a business account which is completely fine. Capital one never mailed me a check or anything with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Under the GLB Act of 1999 nonpublic information such as late payments, charges off and debt shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax to verify some information regarding debt collections showing on my account. 
They have not sent me any information back regarding the verification of this debts it has been over a month I'm asking for these debts to be removed from my Equifax Credit Report as they are hurting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
The company coinbase charged my {$16.00} to send {$2.00} to my friend. There was no transparency on the fee being {$14.00} prior to the transaction. That 's unreasonably excessive. I ca n't cancel the transaction either! It 's not fair to charge me way more than what I sent and charging me without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX allege 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 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 2022-02-27
Company: Experian Information Solutions Inc.
State: NC
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 Consumer Reporting act XXXX XXXX allege 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 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 explanation
Consumer complaint received 2015-06-19
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received bills XX/XX/XXXX from Pay Pal Credit, I called and told them I do not have a credit with your company and they said they would send me paperwork to refute this billing/acct.so as not to have a collection on my credit record I paid the {$870.00} with assurance from Pay Pal that it would be refunded when all the mess was straightened out and the acct was closed and no further cash advances could be done and I waited for the paperwork from them. Then on XXXX XXXX I received a bill from a collection agency for another {$600.00} owed to Pay Pal credit. I once again called Pay Pal and they said sorry and they would send the paperwork. I paid the {$600.00} on XX/XX/XXXX. Pay Pal has not looked into this fraud and done nothing to resolve this issue except to send it to collection. I want my money back and Pay pal to find out who used my info to open this acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo staff stole {$1200.00}. From my checking account and they add insult to injury by offering me {$100.00}. We will not allow XXXX to commit criminal acts against us. We are seniors with limited resources but somehow we will find a way to sue XXXX in a court of law. 

We are in the process of attempting to communicate with XXXX XXXX XXXX as he has serious problems employing criminals in one of the Wells Fargo branches in XXXX. XXXX XXXX, Florida.

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 2017-03-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 fell 30 days behind on my XXXX XXXX Home Mortgage a few years back. During that time I was able to arrange for XXXX XXXX to re-fiance my mortgage and during the underwriting I was advised by my XXXX XXXX Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, XXXX XXXX reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but Trans Union is not doing so.

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 2021-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I received notice of a credit inquiry on my Transunion report, dated XX/XX/21, from XXXX XXXX. I didn't apply for anything. I contacted XXXX, they say they have no record of this, but when I contacted Transunion they said there was definitely a " hard '' inquiry with my SSN, etc.

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 2021-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Chase Freedom XXXX card was advertised as offering 5 % cash back on grocery store purchases for the first year. I saw this advertisement on my online Chase account in XX/XX/XXXX, and applied for that card. 

However, once I got the card and began using it for purchases, I noticed that I wasn't getting the 5 % back on grocery store purchases. I called Chase 's customer service twice - the first time on XX/XX/XXXX the agent said that they would internally investigate it- which could take XXXX business days. 
After not hearing back from Chase for XXXX week, I called back on XX/XX/XXXX. The second agent that I spoke to said that I was not qualified to get the 5 % grocery bonus, but could not explain why. 

If they had told me that I wasn't qualified for this promotion at the time that I applied for it, I might not have gotten this card. I also would not have used the card to purchase groceries thru XXXX XXXX, and would have instead used a different card that gave me better terms for those purchases. 
My complaint is that they bait & switched their promotional offer, arbitrarily not giving me the promotion without telling me about it in a timely manner, effectively getting me to use their card in the last XXXX months under false pretenses to charge hundreds of dollars of purchases. I lost money in the form of credit card points that I would have acquired if I had used XXXX of my other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX2022 I received a Credit card was opened by using my social security number through the mail. Card has a balance of {$18000.00}. The person used my adress as well to obtain the credit card.

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 2022-07-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attempted to pay my Express bill ( via Comenity ) through the Express app, however, it immediately asked for my bank account info to add the pay method. I could not add it as it already existed. I could not go on to a different screen to make a payment. I tried logging in via a web browser and it did not recognize the password. Attempted to reset but my phone number and email were not listed so I could not receive a reset code. Tried using ComenityXXXX  XXXX, but the site said my information did not match an existing account. I called the numbers listed on my statement, as well as on the website, but the automated system disconnected each time after a message stating they are working to resolve the intermittent disruption in service and to use XXXX ( which does not work ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2019-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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 2022-02-27
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving letters demanding payment for {$170.00} for XXXX XXXX XXXX XXXXXXXX XXXX, account number XXXX. 

I've contacted XXXX XXXX XXXX XXXX  and they don't have any information to assist me because I am a MAN. 

I have never been to XXXX XXXX XXXX XXXX. 

I've contacted BC Services and they insist that I am liable for treatment.

If this bill is for medical services or tests, please make sure to include the da

te, time and type of service provided. Ive been the victim of many duplicate charges and need as much documentation that you can provide so that I can match it with my payments. It is also very important to include all signed agreements for medical services. PLEASE MAKE SURE TO INCLUDE
ALL SIGNED CONTRACTS FOR THE AMOUNT DUE.

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