BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have a Visa credit card issued by Synchrony Bank in conjunction with Chevron Oil. Participating Chevron stations offer a discount on the pump price of gasoline when using the card. The discount was not applied three times that I have used the card. The first two times the bank was apologetic and told me the problem would be fixed by the dealer reprogramming his gas pumps. Also Chevron sent me a gift card for my troubles. 
This last time, for whatever reason, the bank has not responded to me ; neither has Chevron. After a month of waiting for a response, I contacted the bank again and they said it could be another month. Why does this suddenly take two months ( or more? ) to investigate when it only took a few days previously. And why does this keep happening? 
The latest incident occurred at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX, XX/XX/2019, XXXX. The pump price was {$2.00} and the discounted price, which I should have been charged, was {$2.00}. I purchased XXXX gal of unleaded regular on pump # 4. 
Obviously I have a receipt. They should too in their electronic record of the sale.

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 2023-08-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought  a MasterCard prep aid gift card from  XXXX  back in  XXXX   XXXX . When it was first being used in store in  XXXX   XXXX  and it got rejected. I contacted the company and they told me it was registered under another persons name. I faxed the copy of the card to the company on  XXXX   XXXX ,  XXXX  for lost/stolen. They told me they cant assist me because they cant verify my information. First of all, this is a prepaid gift card and does not require registration after purchase. There is no way for me to find out who registered it, if this holds, that means I can never get my money back.

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 2019-06-11
Company: CITIBANK, N.A.
State: TX
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:
to the best of my knowledge these are ftc violations

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 2023-11-17
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered that this debt collection company named Credit Systems or Credit Systems International placed a collection on my credit report. It shows that the item posted on XXXX XXXX. The amount in question is {$120.00}. I disputed the item back in XXXX of XXXX  and it came back verified in XX/XX/2023. I have never entered into a contract or written agreement with this company or the original creditor listed. I called the company in the beginning of XXXX and the representative stated that the call is being monitored and recorded and this is an attempt to collect the debt, then proceeded to ask for my personal information to verify if I had a debt on file, I disconnected the call. The representative called back and I requested that they do not contact me again without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I transferred money from my Chime to my XXXX XXXX then in the same week transferred the money back to my Chime as I no longer needed it for a large purchase and use the Chime savings because of the ~ XXXX % interest they offer. Out of the blue they closed my account and said I wasnt eligible for a refund. I contacted them same day ( XX/XX/23 ) and provided all the proper documentation to verify my identity and they havent done anything to help. No help over the phone and automated email responses. I had approximately {$9500.00} in this account ( I used both their Checking and Savings ) and theyve done nothing to help me get my money or ask for further documentation to resolve. It has been like talking to an illegal website. Very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXXto present day 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX inquiries unauthorized XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized theses inquiries, I have called XXXX, Transunion and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/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 2017-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

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 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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:
The problem is regarding the capital one quicksilver card. 
When you apply For the card it says theres a {$200.00} sign on bonus after spending XXXX. 
So I did so, I spent XXXX over the last 2 months and was expecting to get the reward. 
However I was not receiving the reward so I called capital one to ask where it was, and they told me the card was not eligible for the reward, even though it is advertised with the sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Consumer Portfolio Services, Inc.
State: OH
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:
XXXX : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update CONSUMER PORTFOLIO SVCS. INC we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got credit carded to buy some tires through XXXX XXXX XXXX via synchrony bank. I before the 6 months was done they closed the card. I had one month left. The also charged XXXX $ in interest, I called them and they told me that I was not eligible for any more credit. I told them that was fine but why did you cancel my account? Because the promotion was over ok I guess thats what they were saying but that I could still pay the remaining balance and get the interest free. So I did so however they did not remove the interest and they are charging me XXXX $ a month late fee. They call me all the time. When I try to address this they hang up on my. They text, called leave prerecorded messages all the time day and night non stop. I will not pay them because I do not owe them. They also speak really poor English and I having a slight hearing defect can not make out half of what they say.

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 2022-12-13
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX - XXXX closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane Ian and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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: Account information incorrect

Complaint:
On  XXXX   XXXX ,  XXXX  I noticed on my Transunion credit report an old account with  XXXX   XXXX  for an auto lease opened in  XXXX   XXXX  was still reporting as " currently paying '' when the lease was completed and paid in full on  XXXX / XXXX / XXXX . I called Transunion on  XXXX / XXXX / XXXX  to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in  XXXX  has passed. On  XXXX   XXXX ,  XXXX  I noticed  XXXX   XXXX  responded to Transunion  's r equest by putting 82 months of X ( Unknown payments -- see attached ) for this account from  XXXX  through  XXXX  on my report. As I stated this ca n't be true since the lease was paid in full in  XXXX . Any help you can provide with this is greatly appreciated, as this has made  my credit score de crease by  XXXX  points, since they put the X for unknown payment history on an account that should be deleted because it was paid. 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 2023-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was contacted by a person impersonating a law enforcement official, Sergeant XXXX XXXX of the XXXX XXXX Sheriffs Office. He told me that I was held in contempt of court for not appearing as an expert witness for which I was officially subpoeaned on XX/XX/2023. This was a misdemeanor escalating to a felony and that if I did not get the documentation to appear ( subpoena ) I had to go to a law enforcement agency for signature verification and pay {$3100.00} for a insurity? bond and that it would be released back to me upon successful signature verification. I was given instructions to conduct transaction via XXXX and the recepient would appear as a " XXXX XXXX '' ( an officer in the XXXX Sheriffs office ). Upon conducting the transaction, I was told that it was not received and that I needed to try again at which point my husband alerted me that he received email from Wells Fargo regarding the XXXX transaction and that it was most likely a scam. I was on a trip out of town when this happened and was told that the felony conviction would lead to arrest and that I would be unable to travel back home as I would not be able to get past TSA at the airport. In a state of panic, I conducted this transaction. My husband literally called Wells Fargo within minutes and explained the circumstances and to try to chargeback/block the pending transaction. He was told to have me call to file complaint as we are joint holders on this checking account but that I was the victim and needed to answer the appropriate questions. We had a XXXXree way call and they filed a case and provided a case # XXXX. Was advised that I would receive an email confirming filing of case and to expect a response within 10 days. I felt that they could have tried to stop this in real time as we contacted them while transaction was still showing as pending and could have been more proactive. I have yet to receive the email confirming filing of case.

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 2023-11-17
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My account with ShellPoint is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
received credit report on XX/XX/2023, they have my right name and address, but i have no knowledge of XXXX incorrect phone numbers, names, addresses and date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Spring Oaks Capital, LLC
State: OH
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:
In XX/XX/, I disputed a debt of {$980.00} with XXXX asking Spring Oaks Capital LLC to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.

Company response to consumer: Closed with explanation