BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a XXXX  that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXX  or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.

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 2022-08-23
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 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 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 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 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 2022-12-06
Company: EQUIFAX, 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.

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 2022-12-08
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have an issue with Cash App. They charged me fees and made my account go negative for a transaction that occurred on XX/XX/XXXX. On XX/XX/XXXX, and for the next 2 days, there were sufficient funds in my account to cover the transaction, however, they waited 3 days to attempt to collect it from my XXXX  XXXX XXXX account, when there was no longer any money in the account. Therefore causing me to be negative. None of which was displayed on any of the recent transactions they had posted on my account page. I made XXXX deposits and XXXX other transactions between the time I sent the {$50.00}, reasonably thinking that the {$50.00} had been deducted from my bank account at that time, seeing as how my bank account showed that it had been taken out at that time. There was Nothing to indicate that they had waited and didnt attempt to take it until 3 days later, so having made deposits, sent money, amongst other transactions between the XXXX and the XXXX when the {$100.00} was sent to me there was nothing that would indicate to me that they were about to hijack almost all of it! and then when I had {$100.00} transferred into my account on XX/XX/XXXX, they took {$66.00} of it, again, never disclosing why, what for, or anything! There were no negative transaction posts, nothing notifying me how I went from {$100.00} to {$34.00} with no transactions in between to indicate what happened. So to anyone looking at the account transactions, it shows a {$100.00} deposit, and then a balance of {$34.00}. With no explanation of where the {$66.00} went. When I called, the man told me that with XXXX transfers, they can take 1-3 business days to complete, again, not disclosed in any way, and again, at the time of the transaction, it shows the amount deducted from my bank account, and the amount deposited into the cash app account, and then all of my following transactions afterwards! Never giving me any clue that I was spending money i didnt know that I didnt have! And seeing as how cash app is an instant money transfer app, that doesnt do overdrafts, how is it that they can allow you to spend money that they havent collected for you to spend!? Its setting people up for failure! Its not right, and they should be held accountable for non disclosure. I asked to speak to a supervisor and was told that I can not speak to one on the phone, that they will only communicate via email, which I think is asinine. I now have no money, and XXXX kids to take care of, and while {$66.00} is nothing to most people, its literally everything to me right now! Im super disappointed that cash app, a company that I have used for so long and trusted, and have never had this issue with before, is now for some reason screwing people out of money and setting their customers up for failure!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: SYNCHRONY FINANCIAL
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a fiduciary obligation owed to me as I have given out my social security number, which the obligation is to act in MY BEST INTEREST financially. I asked synchrony bank as trustees to help me an I was hung up on. I expressed to them that they owe a fiduciary obligation an that breaching that duty could result in suspension or removal an I was abruptly hung up on. Not right. I NEED to get a loan an they are preventing me from doing that an refusing to help. That's a breach of fiduciary obligation which can take legal 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 2020-04-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called an Experian representative to discuss inaccurate information on my credit report. The representative called XXXX XXXX, and the XXXX XXXX representative confirmed to the Experian representative and I that it was a settled account and that I owed them XXXX dollars. After the phone call ended your representative told me she could not remove the inaccurate information because it was cloudy, despite the fact that XXXX XXXX said that I owed them no money. I wanted to make sure that Experian was clear on the status, because it was a settlement. So I asked the XXXX XXXX representative if they would take any payments from me and he replied no. That my balance was settled and I no longer owed them money. He stated that on XX/XX/2020 XXXX sent the information regarding the settled account to the credit agencies. 
I am able to verify this to be true, in a couple days of this report XXXX  and XXXX  reported the accurate information. Despite hearing this directly, the Experian representative refused to remove the information from my credit report. I asking to talk to her supervisor, the line went straight to voicemail.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted my financial institution about unauthorized charges on my account. These charges were piling up unbeknownst to me because the form of payment I use most frequently is XXXX XXXX, so I did not realize my debit card had been stolen/missing. After contacting my bank about this issue, they initially were helpful and reversed all unauthorized charges to my account and a new card was issued to my account. After sometime I resume using account as usual thinking the situation had been resolved only to login to my account weeks later and find every charge initially credited to my account debited again WITH multiple nsf fees. This caused my account to be overdraft by hundreds of dollars, and has put me in an extremely uncomfortable position financially as I am a XXXX  unable to makeup for what Chase took from me. When I called them about this issue the only explanation they could give me was that they reversed their decision because of geographical similarities in the unauthorized purchases and my regular purchases. This is not a significant enough reason to decline a fraud claim. I informed them it was very likely my card information was stolen by someone very close to me/in my area. I do not have a history of fraud claims or suspicious activity on my account. In fact, i have NEVER submitted a fraud claim before, and the fact that this was the " resolution '' they could offer me is unacceptable because not only did the bank NOT provide any help of significance to rectify my account, they actually made my financial situation worse. A police report has been filed and am seeking a PROPER reimbursement of all unauthorized charges and NSF fees from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported. a credit card from USAA that was not received and the company told me that I owed XXXX from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Someone hack into my edd card and took out my funds and now I need my money back

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 2022-12-08
Company: M&T BANK CORPORATION
State: MD
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 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a credit or may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. 

This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. 

With sincere appreciation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation