BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Synovus Bank
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to get a refund from my secured credit card for several months now. I have submitted 2 written requests and still have no received the {$200.00} refund. I have received statements from XX/XX/2023, XX/XX/2023, and XX/XX/2023 showing a credit on the account and refund due to me. All of these statements were sent to me via mail while the check has not arrived in the mail. There has been no proof via a tracking number to show the check has been sent, even though I have requested tracking or proof of the check being sent twice. I am once again requesting my refund to be mailed to me immediately and for this case to be escalated. I am also requesting tracking for the check as there has been no proof or update other than telling me to refer to custom service. Custom service does not have access to the refund department and are unable to help me. The company has confirmed my mailing address and has sent me mail, but not the money owed. At this point they are well past the legal time period for the refund after my written request. Please escalate and rush my refund and provide proof via a tracking number for the check being mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime locked my account due to suspicious activity they told me to take a picture with my id and provide my ssn and XXXX  and I did but my account hasnt been restored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX and a XXXX charge that was sent using Zelle. On XX/XX/2023. My phone and belongings were stolen and was used to send money to this person. I tried calling and were unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I started a 6 month auto insurance w/ USAA on XX/XX/XXXX that was to last thru XXXX I've received emails and notifications monthly about said active policy. On XX/XX/XXXX I spoke w/ USAA via phone spoke w/ a licensed rep who advise that they would start new policy for 6 month term for my XXXX XXXX XXXX  w/ me and my girlfriend, the registered owner XXXX XXXX, via that phone call. The sales rep advised that auto id card will be sent via mail, at that time i had no reason to doubt that the info that representative i was speaking w/ via phone was telling the truth. On XXXX  I purchased a new XXXX XXXX which caused me to log into the USAA app to see that i do not have an active issuance policy for said XXXX XXXX XXXX. After realizing the error on XX/XX/XXXX i contacted USAA who advised me that on XXXX XXXX XXXX  there under writing team decided that they would not be able to proceed w/ the auto policy that i was adv on XXXX  less than 24 hrs prior, would be started for XXXX XXXX. At the time of speaking w/ the licensed insurance rep from USAA on XX/XX/XXXX i was placed on hold for over a 30 minute time frame straight only for the licensed rep XXXX to tell me that their supervisor listened to the call and advised for them to back date my policy to XX/XX/XXXX when starting back up for both cars. After waiting another 20 minutes for XXXX, USAA licenced insurance rep to adv that under writing will not allow him to start a policy for me due to my driving history, which was not true. ( At that time i was attempting to start a policy with my household me and my girlfriend XXXX XXXX listed as drivers ). I was advised by XXXX to call back first thing in the XXXX when a manger can help me because his manger that listened to the call from XXXX  does not have audio. Even though that made no sense i called back at XXXX XXXX XXXX and coincidently got the same licensed insurance rep XXXX- who advised me at XXXX XXXX that he would have to set me up for a call back after leaving me on hold for over a 45 min time frame. I accepted gave 2 call back numbers and called back and attempted to just setup insurance on my new XXXX XXXX w/ no additional cars or additional drivers. i was instantly given a 6 month premium rate and able to start insurance w/ a deposit of XXXX. For licenced insurance representatives to attack and degrade my character w/ lies is a consumer violation I demand remedy for. For USAA to provide me w/ false information into believing I'm under contract, i demand remedy. and the fact I'm breaking the law right now w/ the XXXX XXXX not being insured and XXXX will be charging per day not insured i demand remedy. over 10 differenent consumer violations i am seeking help w/ getting $ XXXX remedy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit 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:
On XX/XX/23, I called Bank of America at XXXX to inquiry into secured credit card offer. Before proceeding, I asked if the card could be expedited. I was informed it could be, which resulted in my application and subsequent approval. After making my deposit, I was informed the representative had been incorrect in their initial presentation. I made clear to the rep that the ability to receive the card expeditiously would impact my decision to apply. I was either misinformed, deceived and/or scammed into opening a credit card account. Upon requesting cancelation and a refund, I was informed it would take up to XXXX business days. This allows the bank to make whatever interest off the money they deceptively acquired from me. The bank refused to honor what they originally promised, and only educated me on their policy after the fact.

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 2023-08-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a care credit account to purchase XXXX XXXX I was told I would have no interest for 24 months and then it would be between 29.99 % - 39.99 %. On XX/XX/2023 when the two years was up they charged me {$1300.00} in interest fees. I called and they said that was correct but they never sent any further info stating they could charge me over XXXX XXXX XXXX interest. In fact, to this day, they've never even sent me the card so I can only supply you with the last four digits I can see on their online portal. 

On the phone today they said I had to pay interest on the principle balance from my initial purchase only. My purchase was {$2400.00} and I had paid it down to {$1000.00} until I used the card at a vet to care for my sick cat. So per their own information I should only be charged interest on that {$1000.00}. 

This is predatory lending and I would have never agreed to this, ever. I have spent my life as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I read all the fine print before I sign anything. This bank is actuing fraudulently and in doing so have overdrafted my account and are ruining my credit. 

I have made more than the minimum payment, on time, every month since I opened this account.

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 2023-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXXXXXX 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 2023-08-30
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received student loan forgiveness through a borrowers defense application being approved. The student loan servicer only put a small portion of the forgiveness on my loan and applied it to the interest only. After applying this my amount that is owed didn't change, I still owe the exact same amount and before the government payment pause even ended they have added more to my account that I now owe. I'm trying to figure out if I received the loan forgiveness how do I still owe the same amount and even more after this was supposed to be applied. I would like my loan amount to reflect the forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I bank with Wells Fargo in XXXX XXXX XXXX XXXX. I have have paid the bank several hundred dollars in overdraft fees. Now it is XXXX and my acount is overdrawn XXXX and the bank is refusing my overdraft during XXXX. My overdraft is usually XXXX. After I knew my acount was overdrawn because of a plumbing issue I paid my electric bill and phone bill totalling less than XXXX in overdraft and the bank did not pay them. I support XXXX souls.

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 2023-08-31
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account has been locked on Apple Card for a week and no one is helping. I opened a few dispute recently one being XXXX I think that might have done it as I told them it says delivered but ups or someone stole the package as they signed for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
BB & T now Truist Bank gave a 30-year mortgage loan to my mother in XXXX. She was XXXX XXXX XXXX at the time. She passed away in XXXX and her case was just resolve in probate court. After she passed away, I called the bank regarding the loan, but no one could provide me any information regarding a freeze on the payment because of her passing away. I called for four months in a row, and they always said that someone would call me back, but I never received a call back, so I gave up. I find the practice of giving a 30-year loan to an XXXX highly suspect knowing the likelihood she would live that long to repay was almost zero. We could not make her mortgage payment for her and the bank did not seem to care. Now they sent legal papers regarding foreclosure.

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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to transfer {$10000.00} out of my Bank of America checking account to my new XXXX XXXX XXXX joint account on XX/XX/2023. The money was immediately removed from my BoA account but never arrived in my XXXX account. I have called both banks dozens of times. BoA sent me a letter on XX/XX/2023 claiming the money went through successfully and they can not recover it but as a " courtesy '' they are still trying to resolve the issue with XXXX which can take an additional 45 business days. XXXX claims they have no record of this transfer and can not see it as an upcoming or pending transfer to either of our accounts. 

Neither bank will accept responsibility and I have yet to see these funds back in my account. I can not believe that Bank of America has no way to trace the funds as they try to claim and that this issue has still not been resolved over a month later.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX Bankruptcy Reference # : XXXX XXXX U.S.C XXXX681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-30
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So the picture below will show that XXXX tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the XXXX account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2022-11-24
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX of XXXX, I went to apply for a credit card from a XXXX and was denied because of collections and incorrect information not matching what I provided. I went to XXXX and requested my 3 credit reports. The one from transunion had the most incorrect information. The first certified mail was on XX/XX/XXXX in which I included my identity theft report I filed with FTC. I sent all the supporting documents including my driver 's license. The sent me numerous letters requesting for validation address which I needed to provide my license and legal documents that's shows my current address in which to removed addresses that aren't associated with any open or closed accounts. Right now I currently have 5 known addresses on my report. I also provide my correct Telephone number which is used as my security alert. They now have 2 phone number listed for me. I've also disputed the 2 hard inquiries on my accounts which aren't associated to me because of identity theft which I provided transunion a copy of that report sent certified mail. I also sent a money order I purchase for {$9.00} on XX/XX/XXXX from the United state postal service and sent it certified mail for my credit score. As of today XX/XX/XXXX the money order was cashed and I never received my credit score. I've sent a total of 6 certified mail from XX/XX/XXXX to XX/XX/XXXX. Ive sent all required information to process my dispute. After losing my mother in XXXX, i havent had the time to follow up with my dispute. I requested my free credit report XX/XX/XXXX. On XX/XX/XXXX I contacted transunion with my dispute questions and where my credit score was and was told it was above their pay grade to answer my questions and they would send it to a supervisor for review. 
Under section 15 USC 1681 et seq, Is federal legislation enacted to promote the accuracy, fairness and privacy of consumer reporting agencies.

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 2023-05-23
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation