BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: SC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: RI
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 act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.

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 2022-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have auto pay set up on ALL my American Express accounts. My auto pay, for example, on the Hilton Honors account is set to a fixed amount of {$50.00} per month, 15 days after statement closing. Per the agreement dated XX/XX/2021 : If I select the " Other Amount '' automatic payment option, American Express will debit my Designated Account for the dollar Amount that I have specified, except as provided herein. 
IF THE OTHER AMOUNT IS LESS THAN THE MINIMUM PAYMENT DUE IN ANY BILLING PERIOD, AMERICAN EXPRESS WILL INCREASE THE DEBITED AMOUNT TO THE MINIMUM PAYMENT DUE FOR THAT BILLING PERIOD. If the Other Amount I have chosen is greater than the New Balance on my American Express Card account, then American Express will debit the New Balance on my account.

There have now been multiple times that American Express did NOT automatically increase the " other Amount '' to the minimum payment due. This results in late fees of {$29.00}. 

In 2021, the same issue occurred over a 5 month period, resulting in a penalty interest rate. American Express at that time argued that the agreement they see states the Other Amount remains fixed. Eventually this issue was resolved and I was told they would investigate the issue why the payment was not increased. 

This month, AMEX again did not automatically adjust the payment as my minimum due was {$58.00}. This results in yet another {$29.00} fee, but the " late '' incident also counts towards their ability to raise interest to the penalty rate. 

They need to fix this deceptive practice. The give an agreement and yet do not follow their pwn policies, charging customer late fees and penalty interest when they should not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Credit card is supposed to give 1.5 % back on all purchases which is not happening. I called on this problem and they will not help me. I tried going online with no success. Representatives are rude. Also, voicemail menu is extremely difficult to navigate. It has trouble responding to any identifying words you use and often times brings you to the wrong department after waiting on hold. Representatives are unhelpful and almost all the time do not resolve or properly explain what the problem is and how to solve it. All of the time they act like they do not understand the problem no matter how detailed and articulate you explain yourself. Getting a manager on the phone or corporate is basically impossible.

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 2022-04-16
Company: SYNCHRONY FINANCIAL
State: AL
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:
I made a purchase from Ashley XXXX on XX/XX/XXXX for some tables for XXXX dollars and I was told that they will only charge me when I pick up the items. On XX/XX/XXXX I picked up the items but when I looked at the Ashley credit card by synchrony bank it showed several pending transactions which I never authorized and the charges were for XXXX dollars and XXXX dollars and XXXX dollars which all were unauthorized charges and have been pending charges since last XXXX XX/XX/XXXX. I called synchrony bank Ashley credit card and I talked to their customer service and I told them that these pending charges should be deleted and they should have been dropped a long time ago but they did NOT fix the issue and now I have several pending charges for things that I NEVER bought and I never authorized. Ashley credit card by synchrony bank should delete all the pending charges on my account because I did NOT buy anything and I never authorized these charges. I am already billed XXXX dollars for the items that I bought and there should be NO other charges at all and NO pending charges at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company put a fraudulent credit card on my credit reports, for like {$230.00} as a charged off account after 30 days???? It was confidently charged off after I had contacted them refuting this account and debt as mine, and then they just charge it off as bad debt? To spite me Im sure, because I have read 1,000s of complaints about Capital One doing fraudulent activities such as this to 1,000s of other people.! I already filed a complaint against them that I never opened this account to begin with, and now they are trying to make it worse by saying that its charged off as bad debt nowI will NEVER DEAL WITH THIS COMPANY EVER AGAIN IN MY LIFE.! My personal information was stolen, along with my personal belongings, such as my wallet and phone, which had my SSN card among other identifying information, which I know was used for a lot of other fraudulent activities, because Ive had to get other account la removed for the same thing. And as per advice from my attorney, so have given this one and only time for Capital One to rectify this situation. By deleting this fraudulent account off of my credit reports ( XXXX, XXXX, XXXX ) IMMEDIATELY! Or litigation will commence against them, and they will be sued to the fullest extent of the law allowed.! First and last warning.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 ( Tuesday ) I called TransUnion three times requesting updates on a method of verification letter sent to the CRA. It was verified three times by the supervisors ( XXXX ) and other representatives that the letter was received dated on XX/XX/2019. The letter stated Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that I may request a Method of Verification. A CRA shall provide to a consumer a description no later than 15 days after receiving a request. XX/XX/2019 will mark 15 days. As I was misinformed by a representative that it will take 30 days and she mistakenly said it was not in dispute or in re-investigation, after verifying that TransUnion received the letter, I immediately requested for the supervisors. Once I expressed my concerns with each supervisors and stated that I also submitted the letter to CFPB, they hung up on me three times. I requested to speak with the special handling department and they continue to refuse my refuse my request until the last I called. I spoke with XXXX in the Special Handling Department and again He verified that they did indeed receive my method of verification letter dated XX/XX/2019. I also explained that XX/XX/2019 is the last day to send my request and if they can NOT by law they have permanently delete the XXXX XXXX XXXX  account. And I expressed to XXXX that my letter was submitted to CFBP. Again, I was hung up on.

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: EQUIFAX, INC.
State: MS
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:
See Attachments ... .There is information on my consumer report that is a result of identify theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request of the block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 


YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO ANY CONSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care 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 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because Countrywide had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a Countywide Trust ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer BofA or XXXX XXXX XXXX XXXX XXXX XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and BofA PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.

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: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation