BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, my Old Navy Visa Credit Card was upgraded to a Navyist Credit Card without my knowing or request. My rewards balance of {$660.00} of Old Navy store credit was removed from my account when I was upgraded. 

On XX/XX/2020, I called the Synchrony Bank customer service and was told my rewards balance would show the {$660.00} of Old Navy store credit in my account within 1-2 billing cycles, and that this was the first cycle. 

On XX/XX/2020, I called the Synchrony Bank customer service when I still had not received the {$660.00} of Old Navy store credit in my account. Synchrony Bank said {$560.00} rewards dollars were spent from my account, and had specific dates the rewards dollars were spent, but was unable to provide locations or any other transaction details. I had not spent any of my rewards, and Synchrony Bank opened a fraud dispute for the missing Old Navy rewards. I was told I would receive a letter showing the details of the rewards spent at Old Navy within 1-2 billing cycles. I never received this letter. 

I received a letter about a week later dated XX/XX/2020 stating a replacement " Shopping Pass '' will be issued in my next statement. I received {$15.00} in Old Navy store credit in my XXXX statement, and {$250.00} in Old Navy store credit in my XXXX statement. 

As of today, XX/XX/2020, my account shows {$0.00} in Old Navy store credit, but I should have a balance of {$660.00} to use as Old Navy store credit. I have spent spent none of the Old Navy store credit rewards from my account. The {$260.00} Old Navy rewards  dollars issued in XXXX and XXXX have since disappeared from my account without me using 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 explanation
Consumer complaint received 2019-06-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Constantly calling saying I will regret not paying them and cussing me out and now that I dont answer to them they just keep calling everyday, I try to block the number because I feel harassed and they just call with another number cussing me out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Information belongs to someone else

Complaint:
I have went over my credit report and there is a account from XXXX XXXX that I do not recognize

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 2023-01-10
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables XXXX XXXX XXXX XXXX XXXX sent XXXX claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A a destiny credit card has been open in my name not by me. I do not have a physical card or have I ever received one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: IL
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:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 U.S. Code Section 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-04-20
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accounts appearing on credit report. 


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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the Trans Union app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet Trans Union took it upon themselves to just completely delete the account since they found neither party of any foul play.

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 2023-03-04
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act the list of corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. XXXX XXXX for {$650.00}. 
XXXX XXXX for {$1400.00}. 
XXXX XXXX for {$750.00}. 
XXXX XXXX Bank for {$880.00}. 
XXXX XXXX  XXXX for {$100.00}. 
XXXX  XXXX delinquent account.

15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent.

15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I operate a small XXXX XXXX out of the XXXX XXXX. My XXXX was effected by the Covid shutdown. I have credit cards with XXXX XXXX, XXXX, XXXX, and Citibank. The Citi cards are what I want to discuss. The Citi bank cards I have are all in good standing except one. My bestbuy card through the CitiBank retail group. 

I contacted their support on XX/XX/XXXX to find out what my options were. 
They advised me their was nothing currently but they were aware they were going to do something for us card members. I have been a bestbuy credit card holder since XXXX, when it was with XXXX XXXX XXXX.. It's since changed hands to XXXX XXXX and now Citi with a good standing account. I was told all they could do was to take my autopay off my account and that she would have a manger reach out to me to discuss options when the company had something. I received a call around the end of XXXX/beginning of XXXX and was told they still haven't gotten something but they were about to, and they would call me back at that time. I have not received anything from them since. I was on the road volunteering since the beginning of XXXX with Covid relief. When I called today ( XX/XX/XXXX ) I was told that they had put a C & D on my account and now there is nothing they can do in regards to taking my late records off of the credit bureau ( 85 days late as of today ). That I had been sent a letter in writing in regards to the C & D for which I did not request. They should be requesting that be signed and mailed back before something like this is put on! This has been so drastic on my credit report it caused my SBA loan for getting a pandemic disaster relief loan to help with this crisis. If they had done what their counterparts in the normal CitiBank had done, I would have gotten my SBA loan and would have been able to make my payment to them this month without a problem. They have the WORST customer service I have EVER SEEN! I would be current if they had done what was fair, just, and in compliance with what they offered people in my position. I am sorry I relied on their support to call me back, like they said they would. Looking at my payment history for over 10 years should show I want to pay the account bills! 

If you live in a state with 1 party call recording, get a call recording app and record these calls. You can't rely on their people making reliable notes!

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 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the LISTED ACCOUNT which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
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:
During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX  CREDIT : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )

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 2018-11-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay ERC the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. ERC reference number:XXXX ERC customer : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: KS
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:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXX : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.

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 2018-03-13
Company: GVA Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
A woman stole my money order after it was mailed ( by the USPS on XX/XX/2020 at the XXXX XXXX location XXXX XXXX,XX/XX/XXXX XXXX and " washed '' out my name and her an alias of her name on the pay to order line and endorsed it using her real name. She used the Wells Fargo mobile banking to deposit my money order into her account. 

I reached out to my local police department who directed me to FTC.GOV to file a complaint. I contacted Wells Fargo but they refused to help me with this matter because the police are supposed to go through their channels with the fraud department, so they won't do anything.

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 2020-06-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, 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