BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had bought my husband a wedding band back in XXXX and got my loan through Synchrony Bank. I was going to pay for it in cash, but they insisted that if we went through the loan process we would get some sort of discount on my purchase. So I went ahead and did it. I didn't get a lot of information from them on this loan, I just knew I was setup to make payments every month to pay off the ring that was setup for me. I have never missed a payment. 

My husband saw our account this week that we were still having monthly payments taken from our account from Synchrony Bank. We both thought that was weird because the ring should have been paid off a long time ago. I was worried we had some sort of a credit because we had overpaid on the account. 

I called Synchrony Bank XX/XX/XXXX and they said I still had a {$850.00} balance on my account. I was in shock because the ring I bought my husband was around this amount back when I bought it in XXXX. I was finally able to get someone on the phone after waiting forever. They explained to me that the automatic payments that had been setup for me did not payoff my loan within 24 months of buying the ring. They said my interest had started back in XXXX and I was completely unaware. So after that they charge an interest rate of 29.99 %. Which is crazy! He said that I had aquired over {$600.00} worth of interest and that is why my ring was not paid off. Even though we do not have this kind of extra money laying around, I went ahead and paid off the entire balance, so we do not continue getting robbed by this ridiculous interest rate. 

I just don't like how this was handled at all. I will never use Synchrony Bank for anymore purchases ever again.

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 2023-10-22
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had 141 unauthorized transactions on my cash app account. All of these transactions said they initiated from XXXX and were between $ XXXX {$4.00} for a total of almost {$250.00}. I contacted cash app support to advise the charges were unauthorized. I was told that I would need to dispute the charges and sent a link. 

I submitted the dispute advising there were 140 identical charges. After a few days I contacted support again and was told that the dispute could take up to 45 days but usually takes about 10. During this conversation with XXXX I was told that there were too many transactions for him to handle by phone and I could not reach someone in their disputes department directly nor did my issue meet their requirements to speak to a manager & the only thing I could do was wait. I reached back out to support via the chat in the app and reached the same individual who told me the same thing. 

Today I received an email that the dispute was resolved in my favor and 1 of the 141 charges was returned. When I reached out to customer support to find out why, I again reached the same XXXX agent who advised that I would have to dispute each transaction, they take between 10-45 days to investigate and that I cant dispute another transaction until the first is resolved. So essentially it would take XXXX days to get my money back for charges that can easily been seen by their time stamps that they were done by an automated system or bot. 

Ive contacted XXXX and they confirmed they dont even have this card number on file nor were these charges initiated by them. 

To go in and look at SO MANY of the exact same charges and only refund one as unauthorized is deplorable business practices and not a company I would want to do business with. Cash App is well known for being hacked and the system for scammers across the world. At this point I want to close the account and have nothing else to do with them but I cant even do that because when they finally resolve this matter, the funds will be deposited back into the same account and I will be on a mad dash to transfer them before they are scammed again. 

Theres no way this company should still be in business! Though they have clearly paid for their 5 star rating on the XXXX  website, the XXXX complaints and XXXX star reviews make it clear that this is definitely patterned behavior for this business and they should be investigated for financial theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I made a payment of {$1600.00} the current balance due at the time to clear up my account and brought it current to a XXXX balance. As per the agent I spoke to that amount was confirmed and I closed the account due to the high interest rate. 

On XX/XX/2023 I received an email that I was owing a balance of {$30.00} so I called in to query what that was all about, only to be told that was interest from purchases made from the card. I tried multiple times to resolve the issue and have the company Goldman Sachs write off that amount because I was not aware of it, neither did it show up in my account and the agent that took my payment by phone was not aware of it or made mention of it. They have refused to remedy the situation and choose to put me in collection status for {$6.00} placing a derogatory mark on my credit report and flagging my account 90 days past due. No one was making an effort to correct the fault on their end, as I was not made aware of this balance at the time I was making my payment and closing the account. This account was placed on my report after the fact my account was paid up in full and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is not mine but is reflecting on my credit reports. 

Comenity/ Zales Acct # : XXXX Opened : XX/XX/2018 Amount : {$1800.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Comenity/ Zales any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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 sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The original closing date on our home was set for XX/XX/2018. However, the builder did not complete the finish-out punchlist on time, so we did not have adequate time to have a third-party inspection, a revised punchlist completed, and a second/final walk-through on-time for the closing. The closing date was then pushed back to XX/XX/2018. 

Our loan consultant with Caliber Home Loans, XXXX XXXX, failed to send us a revised Closing Disclosure. The last correspondence ( disclosure ) was dated XX/XX/2018. At the closing we were shocked to see that we were not receiving the full amount of credit back we anticipated. Our realtor, XXXX XXXX, transferred {$1500.00} of her sales commission toward our closing costs, however, most of that amount went towards the prepaid interest on the house at a rate of {$41.00} per day from XX/XX/18 to XX/XX/18. 

Ms. XXXX failed to inform us of this huge increase at closing in any form of communication. As first-time homebuyers this was shocking, embarrassing and deflating. We ended up losing {$690.00} to interest fees instead of the {$41.00} we originally saw. Ms XXXX did not educate us on this key piece of information. In fact, she was surprised at the time XXXX XXXX reviewed the documents at closing with us. 

We contacted Ms. XXXX and Caliber Home Loans on a few occasions to try to rectify the situation among ourselves ( the last one being XX/XX/18 ) but a representative at Caliber on XX/XX/18 said we would have to file a complaint with CFPB to see any action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I received a letter from the bank informing me that a unauthorized charge of {$12000.00} on my store credit card was as I stated a fraudulent transaction and that I was not responsible for the transaction. The bank stated that the findings would be conveyed to XXXX different credit bureaus. But the card issuer did the opposite. They reported me as late to the bureaus, and opened additional accounts transferring charge from XXXX account to another. As a result, I lost XXXX points off my credit score on XXXX of the reporting bureaus. So, I opened a dispute with the XXXX bureaus. XXXX of the XXXX bureaus removed the negative information, but the other XXXX have not. I've done the following with no results : Contacted the card issuer whom promised me that they reported positive information in my favor to the Credit Bureaus. I've filed multiple disputes with XXXX bureaus with evidence/exhibits and applicable laws attached. But the bureaus just close the disputes stating that my file is updated ( XXXX of the bureaus demoted my score by XXXX points as a per the update ).

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 2022-07-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was recently denied a bank account due to reporting from ChexSystems. I attempted to request my credit report, and the online system keeps denying my credit report request.

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 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : 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 2023-10-04
Company: EQUIFAX, INC.
State: GA
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 am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that I have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Westcreek Financial
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT : SEQUIUM ASSET SOLUTIONS, Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. 

I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information.

2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred.

3. Documentation providing evidence of your agency 's authorization to collect this debt.

4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws.

5. Copies of any agreements or contracts related to the alleged debt.

6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 
7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported.

Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. 

Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. 

Please note that all communications regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than 36 inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.

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 2022-03-20
Company: EQUIFAX, INC.
State: PA
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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:
I have contact Experian to have unauthorized inquiries remove from my credit report. They advised I must submit in a complaint to have them reviewed. Please review my hard inquiries below and remove them as theyre unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-05-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.

Company response to consumer: Closed with non-monetary relief