BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: AL
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 Credt Reporting act XXXX  XXXX  Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX  XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen 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 2022-02-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX rewards account through Synchrony Bank in XX/XX/2021. On XX/XX/XXXX I paid my balance of {$86.00} but Synchrony insisted they never received it. So I paid {$86.00} again on XX/XX/XXXX to make sure I didn't incur late fees/interest charges. I made several phone calls trying to sort this out with Synchrony and they finally acknowledge both payments. Because I had made additional charges, the second payment of {$86.00} was applied to those charges, but I still had a credit balance of {$39.00} on the account. I asked Synchrony to please close my account and send me a refund check for the {$39.00}, which they did in XXXX. But in XXXX, they suddenly decided that they had never received the first payment of {$86.00} - even though I sent proof of the two payments to them, as did my bank, XXXX XXXX. I have spent the last seven months make repeated phone calls to Synchrony, trying to sort this out. Many times, I got disconnected by them after holding for 30 minutes or more. Every time I called, and I called MANY times, I spent a minimum of 30 minutes on the phone with their representative, having to explain the whole case all over again. They kept telling me that they would have to transfer me to a supervisor/manager to get my account sorted out, but then I would get disconnected when they made the transfer. This happened to me three times in a row the other afternoon. Back on XX/XX/XXXX I was assured that my information had been escalated to a manager/supervisor and this would all be worked out, but it might take 90 days. In the meantime, no finance charges or late fees would accrue on my account. The finance charges and late fees continued to accrue and then this month I received notification that my XXXX credit score had dropped by XXXX points because my account was being reported as past due. I have had excellent credit for the last 17 years and was very unhappy to discover this. I spent many hours on the phone again this week trying to resolve the issue with Synchrony. It wasn't until I called them out on XXXX the other day that one of their representatives finally called me. I am now being told that they have sorted out their mistake and my account balance is zero, but it can take 15 business days or more ( likely XX/XX/XXXX they said ) before my credit report will be corrected because it takes Synchrony that long to report their error. I am extremely unhappy about this whole mess and warning everyone I know to avoid dealing with Synchrony because their customer service is nearly non-existent and many of the people I saw posting on XXXX about them are complaining about their unfair business practices. Many of us are now planning to file a civil lawsuit against them.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ameris Bank was very rude and condescending to me as 10 year customer in front of customers. I was humiliated and shamed for asking bank manager about being unable to make decisions deposits in the ATM. And about the correction on my checking and savings account that I was charged {$11.00} fees for 10 years that they promised to correct, Because I started to ask questions about the account and my deposit and fees they closed my business and personal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: NY
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've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm having issue due to covid I called to get some help and XXXX XXXX, said she couldn't pull up my information to help me because she's having system issue. When I asked for a call back she said she couldn't do that I will have to keep to check when the system is back up and running to get help. I was able to speak to XXXX agents prior that was able to pulled up my information and try to help me. But with XXXX while I was on the phone with her as soon as I mentioned I need help due to covid, I couldn't get help when the automated system was working perfectly. While on the phone with her trying to get help, she said she couldn't help me I'll have to call back when I asked for a call back she said she couldn't do that neither and she hang up the phone and said have a good. She wasn't helpful at all, she make me feel less than a customer, she didn't seem like she wanted to help me at all. 
XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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 have requested to have a XXXX  XXXX bankruptcy from 2014 removed from my report since it has been well over 7 years and is affecting my credit score, as well as preventing me from obtaining lower interest rates. XXXX immediately removed it once I filed a dispute, but Experian refuses to do so after several attempts, stating that it will stay for 10 years. I dont understand how one reporting agency removes any negative reports that affect my ability to obtain fair credit, but another refuses. Im seeking legal advice on this. My Wife and I are trying to build a new home, and I need this resolved. We BOTH have worked VERY hard to fix our credit after encountering unforeseen circumstances a decade ago All Im asking is for the credit reporting agencies to do their part and follow what I believe is standard procedure!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
i sold a phone on XX/XX/XXXX through PayPal and still am waiting on my money! I've literally sent in proof of this transaction almost a month ago XX/XX/XXXX. So there should be no reason why they let this buyer dispute anything. I literally sent messages from the buyer telling PayPal herself to release my money. I'm pretty sure that PayPal keeps a transcript of all conversations and they can look up and see where I've sent in all of this information. they've been holding my money for 27 or so days when I've literally already waited 20 days to get my money. This is so crazy I really need my money. Can you please help this hold off on my account! I've already been told that the case has been resolved in my favor and my money is still on hold! they are basically helping this buyer scam me! The buyers sending you screenshots of herself texting herself, which is very weird and who, in their right mind would wait 20 some odd days to file a dispute, saying that they didn't receive an item. After I literally already sent Paypal the screenshots of the same buyer, saying that we met in person that no tracking information, and all of that was needed. there is no tracking number needed for this payment. And the agent told me all I had to do was go to the transaction and put that there is no tracking needed and that the transaction has been processed. So I did that. I also sent PayPal multiple screenshots of the buyer telling them that there is no tracking number needed for this and that we met in person, she even let them know that it was her fault for mistakingly sending the money how she did because she's a little XXXX. I literally sent all of this information, so there's no reason for my money to even be on hold at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It's hard to have the dates because dillards ( via Wells Fargo ) closed my account and opened a new one in my name, and I have lost access to all previous records. 

Around XX/XX/23 someone used my card/SSN t make a purchase at a physical Dillards store in XXXX, CA. I do not live in CA< nor have I ever been to a Dillard 's store in CA. I filed a dispute a few days later. I received temporary credit, but then was reversed when my claim was denied.

I called to complain, they re-opened the claim but said I had to pay a {$29.00} late fee and {$13.00} ( and running ) in interest. They sent me forms to dispute their denial, but are still denying my claim. I do not know what to do at this point, and they are about to ruin my credit. I had to file BK 7 years ago, and have had a perfect credit history since, and it is all about to get ruined. Every single time I call, they do nothing at all to help me, and will not even let me speak to anyone in charge, They said it was denied ( at first, at least ), because the rep who took my original claim, for some reason, included another charge from dillards.com ( which was a legitimate charge ). They will not stop talking about the charge I always ( and still ) acknowledge as legitimate, so I am getting nowhere.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a Bankruptcy reporting on my credit report that should not be reporting

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 2022-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.

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 2023-10-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint relates to my Citi XXXX credit card number XXXX ; I paid Citibank interest upfront on a number of 'balance transfers ' on my account. These balance transfers then charge no further interest until the expiration date. Citi 's policy and a legal requirement is for payments on my account to be applied to the balance ( s ) with the highest interest rate first. This did not happen multiple times. Citibank applied my payments to balances with low interest rates, while there were balances with higher interest rates on the account. I then had to pay interest rates of over 24 % on balances which I had repaid because Citibank allocated my payments to balances with zero or low interest rates.

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 2022-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation