BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. 

My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best.

In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? 

I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?

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 2023-02-04
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Key

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 2023-01-13
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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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 2023-02-04
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I submitted a letter to XXXX and EXPERIAN disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.

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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 contacted Equifax via phone at their XXXX equifax number and a representative told me that these accounts were already removed from my consumer file, but when I ran my credit report on XXXX XXXX XXXX to see what was investigated removed nothing was done i just got a lot of fluff from them. 
these XXXX accounts are reporting inaccurate cause there are Fraudulent accounts. account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: SC
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 submitted a complaint ( complaint # XXXX ) on XX/XX/23 on Experian. My complaint was closed and marked as a duplicate on XX/XX/23. This is NOT true. This is not a duplicate. If you would have actually read the complaint, you would know this... 

Here is another copy of the previous complaint : I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. See pages 16, 17, 18, 19, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

A proper investigation was NOT completed. If it were, then ALL of the information from ALL 3 credit reporting agencies would be complete and accurate.

You now have 15 days to do as I ask. I've already consulted an attorney. You are reporting inaccurate items and I want them deleted NOW!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been struggling with PNC Bank and there ridiculous overdraft fees and nonsufficient funds fees. I have paid in excess of {$1200.00} in fees due to Payday loans ACH and automatic withdraws that I had asked to stop payments on. They said that it was not possible to stop these payments when I had asked before. But after doing some research, I discovered that I had been opted out of their overdraft protection feature by default after I had asked if there was a way to stop automatic withdraws and them telling me no. Had I been made aware that this was an option this overdrafts fees and insufficient fund fees would have never been inflicted sending me further into the red. I have made several calls and spoke with PNC asking to overturn the overdraft fees but they only have an allowance of 1 {$36.00} fee to be overturned. I have paid 15 in the last month, this is just another classic example of a big bank taking the consumers hard earned money unjustifiably to add to their 8 % of annual revenue in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} 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 2018-09-08
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 contacted Experian to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I demand the following accounts that can not be verified to be removed immediately I have all the copy 's of all 3 letters sent to them also have USPS tracking showing that there revived all 3 letter,

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 2022-12-16
Company: Affirm Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX nine unauthorized purchases was made through my AFFIRM account for {$200.00}. each. I contacted AFFIRM within minutes of being alerted of the purchases about the fraudulent activity. The customer service represented took my information and made a claim for investigation. Meanwhile the loans were pending and on XXXX XXXX each loan they were all approved. I was able to cancel the mattress purchases of {$360.00} made through XXXX for a crib mattress. 

And on XX/XX/XXXX, I received a follow up letter with the incorrect loan number stating that I am responsible for the loan. I have tried contacting AFFIRM both through email and call to clarify the loans and to get more information as to where these purchases were made. Till today I have had no success. My calls aren't being answered nor my email mails are being replied. They have also blocked my ability to access my account through their help center. However, the loans continue to be active. I received another notice from them from them about another purchases on XX/XX/XXXX that they rejected because they could not access my XXXX ID. 

IN between I made a police report and I also alerted each credit bureau and froze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I was an out patient at XXXX XXXX XXXX in XXXX XXXX NJ. I had visited XXXX XXXX XXXX PA on occasion in the past before XXXX. At the time my health care coverage was with XXXX XXXX XXXX however after my XXXX birthday when XXXX became my primary and XXXX XXXX XXXX XXXX unknowingly failed to update my coverage with XXXX XXXX XXXX XXXX Unbeknownst to me the office visit to XXXX XXXX XXXX XXXX unpaid. I DID NOT RECEIVE A BILL for the service and would have taken care of it had I known that it existed. I became aware of the unpaid bill when checking my XXXX Credit Report in XXXX. I never received any notification from XXXX XXXX XXXX nor from the collection company identified on my credit report as XXXX XXXX XXXX XXXX I feel that their Practices are Improper and unsavory. I am concerned not only about my situation but other individuals as well. If you look into this matter I believe that you will find that individuals have been victimized by this SCHEME. I have the ability to pay the bill. The bill is for {$120.00}. I should have been notified that it was outstanding and given the opportunity to pay it.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage and escrow was transfered from Chase to XXXX XXXX   DBA XXXX XXXX on the XXXX XX/XX/XXXX. 

Upon checking my online Chase account I see that on XX/XX/XXXX the follwing happened : 1 Escrow XXXX was transfered 2 Servicing Transfer XXXX 3 Restricted Money Adjustnebt XXXX 4 Late Charge Waived XXXX My new servicer XXXX XXXX is showing the late charges and and a {$15.00} fee from XXXX that I knew nothing off from Chase until today. 

As far as I am concerned the late fees from Chase have been removed as waived means waived. Payment means payment and waived should mean waived. 

Any other late fees I have had waived in the past have been waived with exactly the same meaning on my account

Company response to consumer: Closed with explanation