BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of 2021, I received a direct mailer from Synovus bank advertising a promotion for a new checking account. Synovus opened a branch within a mile from my house and the promotion was decent, so I decide to take advantage and open an account with Synovus.

The new account promotion read as follows : Open a Synovus Consumer checking account with a minimum of a {$100.00} between XX/XX/2021 and XX/XX/2021. Earn {$200.00} after completing 15 debit card purchase within 60 days of account opening. Earn {$200.00} for having qualifying direct deposit of {$500.00}. Earn {$50.00} for completing both requirements. 

If all activities were completed, I would be entitled to a new account bonus of {$450.00}. 

I completed all of the activities in XXXX and XXXX and patiently awaited by new account bonus of {$450.00}. 

However, on XX/XX/2021, a bonus of {$200.00} was deposited to my account. As this was {$250.00} less than I expected, I contacted Synovus to find out why I had not been given the full {$450.00}. The representative I spoke with agreed that I had completed both activities and that it seemed I should have been awarded the {$450.00} bonus as advertised. However, the Synovus representative did not immediately have an answer as to why I had not received the full bonus so she sent my case off for further review. She promised to call me back within 2 or 3 days with a resolution.

After waiting a week for a call back from Synovus, I again called to check on the status of my case. At this point, I was told that XXXX ( account to account ) transactions did not qualify. I explained that I understood that any account to account transfers would not qualify but that I had made at least 19 non XXXX debit card transaction during the 60 day window. The representative just kept repeating that XXXX transactions did not count and referred me to my local branch. I again explained that if they checked my account, they would see 19 debit card transactions that were not account to account transfers but the representative did not seem interested in what I had to say. As suggested, I tried to call my local branch for help. However, I was put on hold and waited for over 30 minutes. After waiting what I felt was a reasonable period of time, I gave up and decided to go directly to the CFPB for help.

In summary, Synovus mailed me a promotion for a new checking account. I acted on that promotion and followed their rules to the letter. However, Synovus is not honoring the promotion and has failed to award me the other {$250.00} I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been filing disputes on my credit reports because i am a victim of identity theft. I have submitted paperwork and an FTC report in accordance with the FCRA and the disputes are not being filed correctly and the FTC report is not being attached. Also I am not getting copies of the verification process and I have asked for them per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: GA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My car was not even repaired he stated he refuses to do any business with me at all. Just because I made a complaint with the XXXX the attorney general office and the civil rights commission. XXXX took me for a ride. XXXX XXXX was part throwers. They was misleading. They was dishonest. They was ungodly. They was deceitful. They falsely misdiagnosed my car. First it was the coolant pump XXXX then the thermostat XXXX then the radiator XXXX everything they did on my vehicle did not fix the overheating problem. I gave them over XXXX dollars and My car is still not repaired and then to tell me to move my old car off their lot because we don't want to do business with you, after taking my hard-earned working money. I never told him to drop this complaint. If I have to get myself an XXXX attorney I will because I don't want this to happen to another woman in a lifetime. i sent all the proof to this credit card company to back up my excuse, and they closed out my case ... this is not fair and unjust Wed, XX/XX/XXXX, XXXXXXXX XXXX to me Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arrange for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. We are not interested in doing any business with you at this time because we just heard you made a complaint with the XXXX. Per our email we sent you yesterday, we request you return our loaner car vehicle and transport your old vehicle off our property. We are requesting that you do this by XXXX today to avoid any daily charges for loaner vehicle.. 





XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXXXXXX XXXX Subject : XXXX XXXX To : XXXX XXXX Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arranged for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. 



XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Debt Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2021, DEBT RECOVERY SOLUTIONS added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Receivable Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I am reaching out to you about an unpleasant experience that my company is currently experiencing with First Data/ XXXX  XXXX XXXX XXXX and fraud team in the hopes that you will be able to help resolve it. My company has been using first data merchant service for almost a year now and as of XX/XX/2021 First  data has held all our deposits to complete a fraud review of our account. As of today they now have over {$30000.00} of deposits that have been held for 10 days. We initially received no communication to inform us that this fraud investigation would be happening, why our account has been flagged or how long this process would take. 


We are a small XXXX XXXX XXXX XXXX and can not afford for our cash flow to be held for over a week especially during a pandemic and a labor shortage. 

My Merchant ID for this company is Merchant Id : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Their investigation did not fix an error on your report

Complaint:
i dispute a account online and i upload few documents and they keep saying it no good or i get a response saying they never got my documents and i sent it 10 times and it been over a week and days and i also mailed it and they never received it and they playing head games with me I'm just trying to dispute a XXXX XXXX XXXX XXXX XXXX account and get it removed and they refused to honor my documents and keep giving me the run-arounds ...

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 2021-07-07
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: Account information incorrect

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " XXXX XXXX ( a ) ( XXXX ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2023-09-07
Company: EQUIFAX, INC.
State: LA
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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

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 2021-06-25
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a bill nearly 7 years ago for medical debt they couldnt prove I owed, sold to a collections agency and damaged my credit. Then this month put it back on my credit and further damaged my credit score. 
They have never provided proof they own the debt, or that I actually owe this debt. The company was Delivery Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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:
ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: NY
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 balance transfer

Complaint:
I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX. 
This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment. 
I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to. 
I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Telsa Motors Inc
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I attempted to purchase a vehicle through Tesla which required a {$6300.00} down payment. The deopist was deducted from my account on the day I was scheduled to pick up the vehicle which was XX/XX/XXXX. There were things wrong with the vehicle so I was unable to accept delivery when I arrived. After several hours, I was informed that the door handle and another minor maintenance issue was resolved so I took possession of that vehicle. I was unable to reach a satisfactory deal with the financing department so I agreed to return the vehicle in exchange for the return of my deposit minus {$0.00} per mile. I returned the vehicle, took pictures and confirmed with XXXX XXXX, who I had been working with from the financing team on XX/XX/XXXX that the vehicle was retuned to the XXXX location as per his instructions. I confirmed multiple times that I would receive a refund of my down payment minus milage. I returned the car and signed a POA back on XX/XX/XXXX, confirmed with Tesla ( see email ) and it was confirmed that I would receive a refund ( see email ). I continued to follow up with XXXX XXXX from tesla regarding processing of the refund. As I continued to inquire status, XXXX stopped responding to my emails, will not answer or return my calls. I have tried every XXXX number I can find for Tesla as well as every email address I could locate and am constantly being told the refund has not processed and because of that, they would escalate to management and I can expect a follow up, but that has not yet happened. It is almost 3 months since the vehicle has been returned and over 3 months since I made the down payment. I am in deseperate need of my money and don't believe this kind of service is safe for the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. The Company want me to give them my Full Social Security number for me to get information. I do not know these people or what want. Plus I do not give out this information to unknown people over the phone. 

I also do not have any outstanding debt. I'm requesting to know why these people are calling me. If I do not get that information why i'm being called and Harassed. I will be filing a attorney general complaint as well. 

I feel i'm being harassed.

Company response to consumer: Closed with explanation