BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I was making a payment on my XXXX XXXX Synchrony bank credit card. I added a new bank to make my payment from. I made a mistake when selecting the type of account I was paying from. I selected checking account when it is actually a savings account. I learned a couple days later the payment was declined. I then added the bank account again, this time correctly listing the account as savings, and I submitted my payment. About a week later I got a notice of closed accounts on my credit report. When I looked into it I found that all of my Synchrony bank credit cards, XXXX XXXX, XXXX XXXX, XXXX and XXXX were all closed. When I checked I found my second attempt to make a payment on my XXXX XXXX XXXX did not go through, showing as rejected. After calling Synchrony, an agent told me I could not do an online payment using a XXXX account. Their website did not give me a warning the payment would not go through. I checked with my bank and I was told the second payment attempt was never presented to the bank to pay. The Synchrony agent said I could use a savings account for payment over the phone, just not for online payments. She took my information, using the same account I was trying to pay from, and my payment went through without problem. On all the cards that were cancelled I never had a late payment, I never went over my credit limits, I only had a small balance on XXXX card that I immediately paid in full. When I called Synchrony requesting my credit cards be restored I talked to several agents and all said that was not possible, referring to Synchrony 's policy in their terms they can cancel cards at any point and for any reason. I asked to talk to managers and was told the same. I was always respectful talking to the agents. I think Synchrony cancelling my cards were not right, I made a simple error, and their own computer system did not alert me a payment would not go through when I tried to correct. When the second payment attempt was rejected I did not get notification of the problem until after all my Synchrony cards were closed. I did not get the opportunity to correct the problem. I feel closing my cards was an unfair practice considering Synchrony 's own system was the problem my second payment did not process.

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 2020-12-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a member with Citi Bank since 2005 They offer me a upgrade to Citi Simplicity Mastercard. My credit limit was XXXX they then raise it to XXXX then XXXX Ive never been late or missed any payments and always paid more then what was asked for. I went over 10,000 and then all of sudden citi decrease my credit limit to XXXX i believe Now im not using this card now but still being excellent customer. I had now only {$370.00} credit according to my XXXX statement I get my new statement now and i only have {$75.00} credit left. Citi had decrease my credit limit AGAIN. 
I feel this is totaly shameful of them especially with this covid19 but mostly because its being reported on my credit report. 

I got a tractor supply credit card and funny its with CITI and have a XXXX credit limit.

Im so upset that i told citito just closed this account I dont want nothiong to do with them and people should be WARN This company is a big rip off How can they do this and there blaming the credit company which is untrue I talked to them I did have a XXXX credit score until citi lower my limit Im at 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 2020-12-20
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX ( math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had something show up on my credit report that I never signed up for or was associated with. I contacted the company only to be told that if I wanted it to be removed and reported as fraud then I had to file it with the government or credit bureau. I contacted XXXX and was told to file it with ftc.gov. The account with this company was listed on an address that isnt my address. I have been at my current address for 7 years. I was told that I signed for a product but was adamant and confident that I didnt. I was provided no proof that it was me. I would like it removed off of my credit due to the fact that I never signed up for anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Reporting Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. My XXXX account is reporting as late, please remove these late payments immediately. My XXXX account is reported as late, please remove late payments immediately. My XXXX XXXX is reporting late, please remove these late payments immediately. My XXXX  is reporting as late, please remove these late payments 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 explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: DC
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:
I have found a credit inquiry on XXXX and that inquiry is not mine 's. Sam 's Club never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.

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 2023-06-26
Company: Experian Information Solutions 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:
There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX XXXX ). After sending Dispute Letters with FTC report and complaints here in CFPB this negative item is STILL reporting and my complaints have NEVER been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding this fraudulent item for assistance to remove it from my credit report 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 explanation
Consumer complaint received 2021-05-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon, I have tried submitting dispute requests via mail to ExperianXXXX, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXXXXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977

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 2022-04-22
Company: First Technology Federal Credit Union
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
- On XXXX XX/XX/XXXX upon reviewing the transaction fee charges ( {$5.00} per incoming international wire ) for Wire Transfer at First Tech Federal Credit Union ( my XXXX XXXX  ) I initiated my inquiry with Bank in XXXX  ( XXXX XXXX  ). 

XXXX XXXX XXXX  - XXXX  XXXX  confirmed their side of fees in XXXX  ( XXXX Rupees ) and since fees that were disclosed to me appeared reasonable, I initiated 4 wire transfers ( two for {$25000.00} and two for {$12000.00} each ) on XX/XX/XXXX. 

- On 18th afternoon pacific time I received the 4 incoming Wire Transfers in my FTCU account, however each transfer was deducted by {$30.00} plus additional charge of {$5.00} each was debited from my account. 

- I called my sender bank and inquired about the discrepancy in the amount received, they shared an output of XXXX transfer, which clearly outlined the dollar amount, {$25000.00} twice and {$12000.00} twice. 

- The XXXX message showed that the XXXX code for First Tech is managed by XXXX XXXX XXXX XXXX XXXX 

- I called FTCU on XX/XX/XXXX and they confirmed that they utilize XXXX XXXX bank as their XXXX  XXXX  XXXX XXXX  in XXXX  system and {$30.00} each was indeed deducted by XXXX XXXX for their services. 

- FTCU shared a fine print thereafter which stated Correspondent or XXXX XXXX  may charge additional fees. All the while clearly knowing that it is their XXXX XXXX XXXX  who charges exact {$30.00} per transaction. 

- My requests to refund {$120.00} charged by FTCU in addition to {$5.00} each have been denied by FTCU on XX/XX/XXXX, even though the agent that I spoke to over phone or reached via secure message agreed that their Website doesnt disclose or clearly mentioned {$30.00} per transaction fees for each and every incoming International Wire Transfer. 

Submitted for your review and remedy here! 
Regards

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 2022-07-07
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because Experian is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking Experian and XXXX how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If Experian and XXXX are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you

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 2023-02-25
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: Information belongs to someone else

Complaint:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows 18. Please delete or removed all late payments. Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 had requested refunds for two ( 2 ) transaction on my Capital One credit card, both for airline tickets on XXXX XXXX XXXX. On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$690.00} USD. This flight was to take place on XX/XX/2020. The flight was cancelled by XXXX, and never took place. 
On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$230.00} EURO. This flight was to take place on XX/XX/2020. The flight was also cancelled by XXXX, and never took place. I submitted in writing the refund request to Capital One on XXXX, and XX/XX/2020 for these two charges ; this was only after repeated attempts by me to get a refund directly from the airline. US Dept of Transportation rules clearly state that if a flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation. Capital One was supplied copious information and documentation for these charges and cancellations. Yet they still have denied my claim, citing that my request " lacks information needed to validate your dispute ''. I have made over 40 phone calls and sent documentation in writing and via their online portal, yet CapOne still refuses to honor this claim. They have reapplied the two charges to my account after initially posting the required temporary credits. They have now placed my credit history in jeopardy by trying to collect these two charges without any proof that they are owed the money. I never received the services these charges were for. 
This is Capital One Case # XXXX XXXX XXXX XXXX ( same case # for both claims ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields.

Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency. 
This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now. 

I will consider not perusing legal action against MRS if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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 2022-04-12
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I received a loan with Mariner Finance. I made more than the monthly payment on my first month and my balance did not reflect it. I was told in XXXX of XXXX that my payments were current until XXXX of XXXX. I wanted to pay the principle as explained to a Mariner finance. She explained making payments online will go towards the monthly payment. When I said I want to pay my " principle balance '' in XXXX and XXXX my balance was still not correct and found my payments current until XXXX XXXX. I would like the finance and interest charges from XX/XX/XXXX to XXXX XXXX returned. 

XXXX  closed my case because Mariner Finance employee was able to copy and paste their previous message when I asked for specific calculations. I feel wronged and I need your help. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and won't help me get it back or even let me withdraw my money. I don't know if this is a bug, because I suppose it should be. I work as a XXXX  on XXXX and I use paypal as the payment method I send my money to. Suddenly I found out that my money of about {$7000.00} is limited and I can't withdraw it, money I have worked for about 3 years. I hope you can really help me solve this problem I will leave my ID that is associated with Paypal in the documents section. This is the email associated with Paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my Chase credit card XXXX XXXX XXXX XXXX about 2 months ago on a {$0.00} balance. Today suddenly I received a bill for {$270.00} with series of transactions that I did not authorize/ had no knowledge of.

Company response to consumer: Closed with explanation