BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am a Sam 's Club member. I had always use my XXXX XXXX credit card to make payments. I was asked if I wanted to open a Sam 's Club credit card. I was told I would get more benefits. I asked, if there was a monthly card fee ~ I was told " no ''. So, I said, I would apply. I received the card and I have never used it. This card is with Synchrony Bank. I received a statement from Synchrony Bank ~ stating, a balance of {$53.00} and a minimum payment due was {$29.00}. The {$53.00} is the renewal fee for my Sam 's Club membership. *** HERE 'S THE PROBLEM *** I did not authorize this payment!! I state now and for the record this is a fraudulent charge. I bring this to your attention because, IT IS SYNCHRONY BANK WHO CREATED THESE CHARGES. 

If you need any more information from me, I will be more than willing to comply.

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 2023-03-14
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: Old information reappears or never goes away

Complaint:
Experian is abusing my credit report. 

I initially had 2 names and disputed the XXXX XXXX. 

Experian deleted XXXX XXXX and added 4 names in different formats. Which was not there initially. 

They also added the last 4 numbers of my social. Which was not there initially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Citizens Bank took over the account I had at XXXX  for years and they started bilking it for fees without my knowledge or permission. I had an account with XXXX  for years that was mostly inactive. There was {$2700.00} in the account for years and the balance didn't move. I barely looked at the account and just held money there. XXXX  sold their deposits to Citizens Bank in XX/XX/2022. Since then, in 14 months, my account has been charged {$130.00} in fees. I noticed an email telling me I was going to be charged {$30.00} in overdraft protection fees, so I looked at the account and noticed the lower balance. I contacted Citizens and demanded a refund and asked to close the account and mail me a check. They told me they couldn't close the account unless I had a XXXX balance and they couldn't mail me a check for my balance. They told me the max " rebate '' they could give me was {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Kriya Capital, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a derogatory remark show up on my credit report by a company called Credence Resource Management https : //credencerm.com/ They claimed they are a collection agency collecting a debt I owed to XXXX XXXX XXXX  However I have never had an account with XXXX XXXX XXXX  and in fact my credit report does not show an account with XXXX XXXX XXXX XXXX 

If you look at this companies XXXX reviews all of them are the same thing and this company is fraudulent and is just trying to get money from people. 

I am not sure how they can report something on my credit report but I am currently working to get it removed. 

I just hope that this company can be put out of business or at least no longer be allowed to put fraudulent info on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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 following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX I XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, KS XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report. 

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
It's my understanding that TransUnion is one of the big three credit reporting bureaus along with XXXX and XXXX. 

To keep this brief, my complaint concerns receiving email solicitations for loans from TransUnion. 

This was not information to protect me regarding applying for loans, this is actually a solicitation for me to take out a loan. 

Why is a credit reporting bureau soliciting me to take out a loan? 

How can a credit reporting bureau also be a lender? 

There is something inherently wrong with this. 

Additionally I find fault with the fact that with TransUnion, when you go to look at your FICO scores, in very small print at the bottom of their information they disclose that the score that they show you isn't really your FICO score but something they call a XXXX Score. They go on to say that their XXXX Score is not something that lenders use, yet they want to charge you {$29.00} a month to sign up for a service to supposedly keep on top of your credit score.

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 2023-03-14
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have chime mobile bank and my phone was stolen I notified chime on the XXXX and an hour before the fraud arcade that my phone was stolen and I had to send in documents verifying my identity to change my email and phone number on my bank to gain access to my account and in the process of emailing chime my information some one accessed my bank account and sent XXXX dollars to there own account I found out on the XXXX the money was stolen I notified my bank and from there I have been getting denied my money I sent in the police report and all the emails showing that I had no access to my account at the time of the transaction but my bank will not refund me my money and its there security team that did nothing to freeze my account at the time I notified them of my stolen phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I tried to find my flight information with XXXX XXXX. I could not find any recent emails from them within the past year. I called customer service, found my flight ad was given my log in information. Upon logging in, I discovered I had XXXX expired flight miles. I was asked to pay for the reinstatement of the flight miles. While on the phone wit the customer service person, XXXX XXXX informed me the way I could reinstate my miles were 1 ) to pay {$500.00} dollar 2 ) to find information for a flight taken in XXXX ( I did not fly XXXX  in XXXX ), and 3 ) to sign up for the XXXX XXXX by Citibank. I was told if I signed up for the card, spend {$3000.00} in three months I would receive my points reinstate upon approval of the card and receive the XXXX bonus miles at the end of the 3 months. I applied for the card, was approved and later today checked to see my points balance was still XXXX and my points had not been reinstated. I reached out to customer service where I spoke via chat with XXXX. She informed me I had been misinformed and the credit card is in no way tied to my reinstatement of points. To be clear, I spoke with XXXX for over 30 minutes. I went through very carefully to make sure that my points would be reinstated as she claimed. I asked every question and had been given detailed answers. XXXX informed I would have to sign up for a loyalty point challenge or pay for my miles to be reinstated. I now have a credit card with an annual fee I don't want and still not the miles I had previously earned.

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 2022-08-20
Company: Credit Systems International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Iam a victim of identity theft. A collection company named Credit Systems INTL Inc, has reported to XXXX and XXXX a Utility bill that I do not owe. The amount in collections is {$870.00} Fraudulent person used this address : XXXX XXXX XXXX XXXX, Texas XXXX Date opened account XX/XX/XXXX Collection Agency : XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Account # XXXX Date sent in collections XX/XX/XXXX XXXX reporting agency also reporting it on XXXX : Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Original Creditor is XXXX XXXX XXXX Ph # XXXX XXXX XXXX used this account # XXXX Shut Off service on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been having banking, and credit card issue with Bank of America. I have spent hours on the phone correcting their error and they continue to Harass and cause me hours upon hours of phone calls to them just to find out a Bank of America employee has been doing the damage to my account etc. 

They took it upon themselves to say my credit card was in fraud status. Yet it was confirmed last month per my phone call that I made the transaction according to the BOA employee I spoke with. Yet again another credit card was sent out because of their internal disgruntled employee employed at BOA causing me time and harassment. 
This has been now for well over a month of phone calls to BOA to correct their errors and yet again, I attached a letter to indicate what has been going on since the US government does not do anything about consumer fraud and harassment to its US citizens. 

This should be brought to the XXXX 's attention as they tamper with banking security along with customer fraud. 

XX/XX/2023 XXXX XXXX XXXX Fee View/Edit Bank Charge XXXX {$3.00} This is the most active US consumer fraud and harassment I am experiencing. 
This is BOA deceptive practices and fraud to the elderly to start.

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 2023-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a Chase Freedom credit card, and when I go to log in online it now asks me to accept a Digital Services Agreement which is 125 pages long. I am not going to read through such a long agreement with Legalese which is obviously in favor of Chase Bank. Why can't they just include any changes that are being made to the original services agreement I signed when I opened the account? It is obvious they want people to just shrug their shoulders and sign the agreement without knowing what they are signing or the risks to their account or credit. Is their any recourse that customers have to amending or eliminating such an agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a government scholarship grant from the XXXX in XXXX. That grant was converted to a debt without my knowledge, passed to collections, and my XXXX tax return was taken and put toward that debt. 

I did not have the opportunity to justify that I satisfied the grant stipulations and was not informed the grant was being recovered. 

I also can not get information about the debt including the terms, and do not have a way to pay this back in a fair way. 

The only information I received was a debt collector notice and then a letter from IRS about my tax return being taken after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Opportunity Financial, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Resurgent Capital Services L.P.
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 XXXX  Account 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 a account without my written instructions 15 USC 1666B : A creditor 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 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given an American Express gift card for {$3000.00}. before the holidays. When I have tried to use it on three separate occasions, the merchant says it was declined. I have tried reaching out to American Express and they have promised a response, but have never responded. They do not have a reachable telephone number ( recorded only responses ) and I had to through my XXXX XXXX account to get transferred three times to someone who said they would help but never returned the call. They have also charged my card for a purchase they declined and which I used another card to pay, and said they could not help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2023-03-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The XXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. Experian then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The XXXX website is having serious isssues. I was able to obtain my Transunion report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over 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 2023-03-14
Company: EQUIFAX, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

Company response to consumer: Closed with explanation