BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Called spoke with customer service more than once Once I received returned money order via Synchrony Bank mailed XXXX payment and XXXX payment on the XXXX of this month. 
For some reason Synchrony Bank Pep Boys car care did not credit {$50.00} for XXXX. I was told they never received payment???? ( Lies ) after my own research and going back and forth with customer service Synchorny Bank gave me a late fee and reported false statements to the credit bureau. 
I later discovered they did receive payment and returned it to me without documenting my account??? 
1 ) Fraud 2 ) Language Barrier 3 ) False 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 monetary relief
Consumer complaint received 2022-11-09
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc. is demanding {$52.00} on behalf of XXXX bridges and tunnels. This amount constitutes penalty amounts that would have been due if original toll was not paid in time. All of the tolls were paid in time ; however, the collection continues in order to harass me into paying charges not owed. 

Transworld Systems Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I called Affirm Co. 
Ask to have my personal information deleted from Affirm 's Database. Response was that Affirm couldn't do such deletion. They should be able to accompany my request right? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-10-11
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-09-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Mortgage is foreclosed on but yet they continue sending invoices and placing default claims on my credit record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Mortgage is foreclosed on but yet they continue sending invoices and placing default claims on my credit record

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 2023-05-21
Company: DISCOVER BANK
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last summer I participated in a XXXX campaign for toy animals which ended XX/XX/XXXX and was charged {$70.00} for my pledge on my Discover card. The creator 's last post was XX/XX/XXXX and has subsequently vanished. There was no survey sent out, no one involved received their items, and one of the other backers discovered the " creator '' had used photographs of someone else 's creations which are available on XXXX. Backers involved including myself contacted XXXX who have done nothing despite the person behind the campaign clearly having taken the money and run. Some backers contacted their banks and were refunded. I paid via Discover card and opened a dispute for my {$70.00}. Well, despite their claims otherwise Discover does not protect their customers. The dispute department discerned based on zero evidence that it was a valid transaction and refuses to refund my money. They demanded proof and I showed them copies of the very public discussions between the backers over the past 8 months saying they'd gotten no response from the " creator '' whatsoever. It's been repeatedly reported to XXXX who've done nothing. I made a purchase and received nothing. It's not a case of the creator having difficulties or delays. This is quite obviously a case of " take the money and run ''. There is no other proof I can show other than 'I along with other py paid for something and never received it, AND the person behind the campaign is a scanner '. I have been a good customer with Discover since XXXX and I can't believe they'd be willing to lose me over {$70.00}. Other people got their money back. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: MECHANICS BANK
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mechanics Bank XXXX XXXX first called me to collect on an auto loan payment that was missed in around XXXX. When the agent called he did not properly verify who he was speaking to and gave all my information to someone who was not me. I spoke with two managers XXXX and XXXX about this issue. XXXX assured me he listened to the call and coached the agent stating the agent asked for the last name of the client and assumed since the last name was the same it was the correct person. I later spoke to XXXX who said he is a manger also and will handle my account. I received another call today XXXX at XXXX and AGAIN the agent from Mechanics Bank just gave all my account details and information to someone who was not me. When I got on the phone and advised the agent she began to get upset with me and stated she will get a manager. She placed me on hold for more then 5min with out checking back with me and I decided to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
US Bank has not honored its XXXX XXXX XXXX contract and not posted the XXXX points promised after the spend was met. It is nearing 6 months since the points should have posted, and multiple phone calls have yielded a whole host of excuses as to why the points were not honored, including glitches, confusion over XXXX XXXX XXXX, and even a bug where statements were n't generated ( all untrue ). The most recent phonecall was the most brazen attempt of avoiding fault, with representative XXXX ( id XXXX ) went so far as to demand additional spend on the car beyond the XXXX XXXX XXXX in order for the points to post.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I created a dispute ( XXXX ) with Citi credit card for our transaction with XXXX XXXX  as they gave us dirty damage and unhygienic room in XXXX XXXX XXXX We booked the hotel in 4 start but the room they gave us was very dirty and damaged, see like its a run down hotel, we tried to change it whene we were in XXXX and also follow up with on duty XXXX XXXX holiday team with all the pictures, but they also fail to help us So when we get back to USA we created a dispute with XXXXty bank credit card, but they refuse to follow up with XXXXXXXX XXXX and closed the dispute even without trying to help or follow up with them. 

They closed the dispute with comment that, i am disputing the inconvenience due to the quality of the services, but that not a true In XXXX XXXX there are Start Categories defined for every hotel in the world and when I booked the holiday package, I booked the room for a family in a 4 star hotel and paid a premium rate for it.

As per XXXX XXXX  holiday website that Hotel was a 4 Star hotel So this is not an inconvenience, but this is considered as Cheating and Fraud to customers, where they assigned Cheap, Dirty, Unhygienic and Damaged rooms when we paid the money for a family room in a 4-star hotel category

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 2023-02-10
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: Account information incorrect

Complaint:
I received an emailed about my information being in the XXXX data breach so I pulled my credit reports including XXXX along with Transunion and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 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 I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

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 2021-02-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased our home XXXX, lender XXXX XXXX. 
Payments processed, account accurate, zero problems in 11+ years. 
Loan sold to Carrington  Mortgage XX/XX/XXXX without consent, don't understand why. 
Since loan transfer, errors with account, lost payments, contradictory communication, and then this : We lost 95 % of income due to Power outage disaster, followed by Covid restrictions, shutdowns ordered by the state of California. 
Carrington granted forbearance initially through XX/XX/XXXX. 
In late XXXX, service rep. extended forbearance through XX/XX/XXXX. 
When I initiated contact near end of this period, I was told forbearance only was first 90 days ( XXXX ) and I was therefore in Default. 
There was no warning and no options given at any time. 
XX/XX/XXXX received Default notice from Carrington. When I called to ask why the rep " XXXX '' told me I shouldn't worry about it, call us in 30 days.. 
let us know if your situation improves. '' XXXX, XX/XX/XXXX, I attempted to reach XXXX, calls, e-mails were not returned. I then submitted loss mitigation forms, seeking options including possible modification, forbearance. XX/XX/XXXX, received notice of foreclosure from XXXX, Texas law firm. XX/XX/XXXX, Carrington sent notice of incomplete mitigation forms. I returned requested forms by US mail, and e-mail several times, to multiple company representatives, as of now they will not acknowledge receipt. 
It is my understanding I must receive written determination of my application before any actions, timelines ( default, foreclosure ) commence. By California law, Dual Tracking is banned. 
It has been very difficult what has happened to family members, and our livelihood during pandemic and don't believe company is acting at all in good faith, or legally. 
They have ruined our credit, and posted public foreclosure notices causing many unwanted solicitations. 
I need all timelines stopped immediately until I am given, by law, the 14 days to respond.. once a decision to my application is received. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them 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 2023-07-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: OH
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, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXX XXXX, Account Number # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our payments are paid automatically on the 1st of every month. They are stating that one payment was short by {$8.00} over 6 months ago which caused them to bill us a {$40.00} late fee. Since then, because of this added late fee it has caused our automatic payment to show short by about {$8.00} each month for over 6 months and each month they are billing us an additional {$40.00} fee. The fee is what is causing it to be short! This is predatory. We have now been billed over {$240.00} in fees because they are saying one payment was short by {$8.00}. We received no notification of this until a few days ago when we finally got a phone call saying our payment was late. Why did it take them over 6 months to contact us. Obviously, no one would choose to not pay {$8.00} so they could instead be billed an additional {$40.00} every month. Had they made this same phone call 6 months ago, we would have been aware and cleared the missing {$8.00} which would have saved us over {$240.00} in predatory fees. We contacted them and all they would do is waive one fee. This is ridiculous. The added fee 's is what caused the payment to be short we pay {$100.00} per month which is over our required minimum payment ; however, with them adding the additional {$40.00} fee each month that is what made our {$100.00} payment short by about {$8.00}. The added fee each month is what caused the payment to be short. So you are stacking fees on top of fees. had they never billed them or contacted us after the first one none of this would have happened. How can they get away with charging over {$240.00} in fees for an {$8.00} shortage.

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 2023-05-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I made an online checking account with chime I opened it on XX/XX/2023 and on the the same day my account was closed on me. I have been trying to get access to my funds for two months I tried calling multiple times every time I talk to someone from the support team to talk about my account situation and Im told they cant do anything about my account only the review team has the power to make a decision about my account I tried to email the review team and I ended giving out information about me multiple times and they should have received more than enough information to help me verify my identity I even shared my bank statements to prove where the deposit came from. Its been two months and I still dont have access to my funds I talked to someone over the phone with someone from my original bank to talk about talk about closing down the account and I should of had a closure check and they told me they were in the middle of processing it so I wait about a month and I havent received anything so I call again and the money I was trying to get back was still stuck in my account that I dont have access too. I already tried reaching out to the company but they havent been able to get back to me so Im writing this so I can get information on how to get my funds back.

Company response to consumer: Closed with non-monetary relief