BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20, I saw a sponsored ad on XXXX for an item and clicked the ad to see more info. I originally thought, " Wow, this is a great deal! '' so I used the AMEX Serve card to order the product. I realized about 10 minutes after receiving the confirmation email and reading comments that this was a fraudulent company. Sure enough, the ad was a scam so immediately emailed the company to cancel my order. The company was obviously based in XXXX somewhere because of the language used in the " confirmation email '' so I couldn't just call them over the phone. 

The order was processed through the XXXX app and charged {$83.00} to the Serve card. XXXX wasn't responsible and referred me to American Express Serve. The scam company never responded to any of my emails so I filed a Fraud Incident with AMEX SERVE to get my money back. I had to provide as much detail about the purchase as possible and about 2 weeks later received a DENIAL of the fraud claim. According to SERVE, I authorized the transaction so it wasn't fraudulent. 

I immediately called the Fraud Dept because obviously I didn't agree with their determination and the claim was re-opened. Had this been a traditional bank account, they would have sided with me & refunded the money! This time, I provided even more detail, screenshots of the emails and XXXX page no longer existing. I showed the website that linked to my specific order was now showing " the XXXX XXXX No Longer Exists ''. 

I also filed a police report/complaint and sent it to AMEX. 

It's been over 2 weeks and still no response from SERVE on whether they will refund my {$82.00}. When you call, it's a long hold time or disconnected during the transfer. This is so frustrating because AMEX usually has decent protection for their customers that shop online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : 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 2018-05-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for an XXXX XXXX account with XXXX XXXX in late XXXX. At some point, without my knowledge or consent, I was signed up by Synchrony into a Card Security service, which charged my account a percentage of the balance due each month as a fee on top of other balance owed. 

I discovered that I had been enrolled into this service in XX/XX/XXXX. The charge had been applied on all card statements available to me going back as far as statements were available online ( only going back one year for Synchrony, for some reason ). On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card Security fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card Security moving forward and that I would be refunded all charges related to Card Security as I had not authorized that service be applied to my account. 

A month later those charges have not been refunded from my 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 monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All calls are recorded, please contact creditor and obtain the proof

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 2022-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Portfolio Recovery 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: AR
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 my XXXX request to XXXX Credit Bureaus about some negative information in my credit file. It seems they never cared at all. For this reason, I want you to assist me in correcting the negative accounts which are appear as late in my credit report. With this issue, I am not in satisfied of re-disputing the same accounts. I want the XXXX Credit Bureaus to be sure to present facts that these are reported efficiently as per the FCRA regulations. Please assist me in correcting these following accounts in my credit file : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NV
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 endeavors 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
We were contacted by a Citizens Bank XXXXXXXX XXXX ( where we do our private banking ) in the Spring of 2023 about the benefits of rolling an open HELOC into a mortgage on a property that is held in an irrevocable trust. I am the Trustee and Beneficiary of this Trust. I was adamant that we did not want to pursue a mortgage, as the Trust needed to remain intact. The Loan officer badgered me repeatedly and then contacted my husband- who is listed on our personal joint bank accounts ( NOT on the Trust accounts ) and badgered him about the Mortgage benefits claiming repeatedly that processing a Mortgage on the Trust property would not impact the Trust. In XX/XX/2023, he wrote " Your second concern is that the HELOC is held in an irrevocable trust. There is no effect at all to the trust or the taxes by doing this transaction. HELOCS and mortgages are treated the exact same way. Your title will remain the same and your tax write off will remain the same. '' He repeatedly noted that " he does this all the time, '' and then convinced us to pursue a Mortgage. We spent time and money going through the Mortgage application process, only to discover in XX/XX/2023 that the house would have to be taken out of the Trust in order to open the Mortgage, thereby breaking the Trust. At this point, I contacted our Family lawyer who explained that there was no way to take out a mortgage on this property in the state of Massachusetts without removing the property from the Trust. The Loan Officer lied to us, repeatedly. We halted the mortgage process immediately. At that point, we had already paid for an appraisal ( which we cancelled but still had to foot the bill for ) and then the cost of consultation with our family lawyer, who bills $ XXXX. We made financial decisions to consolidate other debt into the HELOC to roll into the Mortgage. We made these decisions based on the consistent and repeated advice of this Loan Officer for XXXX XXXX, an institution that we trusted. Since this incident, no one has apologized from the bank for wasting our time or the c. {$1000.00} we have spent on this process. 

This was the Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Office XXXX Cell XXXX Fax XXXX citizensbank.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit reporting 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:
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.

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 2023-09-29
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX {$650.00}, XX/XX/XXXX {$160.00} and XX/XX/XXXX {$350.00}. My cash app was hacked and someone stole money on multiple days, I'm now unable to get into my cash app acct and unable to verify the acct being that the person changed all of my information. I contacted cash app with file a dispute and the closed the claim stating the the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spam calling every XXXX days example called on XXXX and XXXX XX/XX/2023. I have called the company 3 times explaining that I have had this phone number for XXXX XXXX and I was not the person they were looking for. This has led to nothing but more phone calls that wont stop. Below is the text of the calls as I refuse to answer any calls from this company anymore. 

The following is a pre-recorded message this message is from XXXX XXXX at regional acceptance corporation calling with important account information please contact our office toll-free at XXXX at your earliest convenience again our number is toll-free XXXX regional acceptance is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX thank you for your attention to this matter

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 2022-11-21
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:
XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account Equifax, and XXXX are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They are charging late fees for payments made in advance. Even if they waive the fee after the fact as a courtesy, they charge interest on the fee before it is waived.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I received a letter from XXXX stating my credit card I had since 1986 was closed due to non use, balance is XXXX and I have no debts. So I contact citi they told me that the amount is to high in relation to the income. So I'm trying to talk to a live person at experian.so my current credit score is XXXX  so I want my card restored.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : 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 2021-05-26
Company: TD BANK US HOLDING COMPANY
State: VA
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:
Someone opened a target Credit card in my name i did not authorize this card to be opened, i tried calling TD Bank who is the orginal bank that opened the account and they can not resolve this they don't know who to send me to and it goes round and round with no resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Synchrony Bank has restricted my newly opened savings account without warning or explanation. I do not have access to deposited funds. I can not spend or withdraw the money in my savings account. The account has been restricted without explanation to me. I am being told by Synchrony bank customer service that my money will not be available for 30-90 days because my account is under review and can not tell me why.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 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 2022-11-21
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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

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