BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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 on XX/XX/XXXX on Amazon using the Synchrony Bank Amazon store card. On the purchase, there was an ability to get 12 months of 0 % financing with a equal monthly payments, which I selected, but, at the end of the month my bill from Synchrony Bank reflects the whole amount. When I called Synchrony and inquired about the amount on XX/XX/XXXX at XXXX PM EST, I was told by a customer service representative that they would have to change the purchase manually and it would reflect in 1 or 2 billing cycles ( i.e. months ). However, since the change may not be reflected within this months cycle I would have to either 1 ) pay the full amount or 2 ) pay the minimum and be charged interests. The customer service representative only solution was for me to call back in a week or two and see if the billing change has taken place, but admitted it generally takes 1 or 2 billing cycles.

I believe Synchrony is using predatory practices to entice people to select the " 12 month payment option '' and then unethically charge them the full amount so they can receive interests on the purchase while " the billing change is being made ''. I urge the CFBP to review Synchrony Bank 's use of this deceptive bait and switch tactic and to take appropriate punitive action against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Old information reappears or never goes away

Complaint:
According to Law 15 U.S.C. 1681-1681x credit information in the state of New York is not allowed longer than 4 years from closed date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Few years ago I opened a checking account and after three days they closed my account. 
Now I am applying again but i got rejected right away. 
No information was relayed on the reason why. 
I know I complained before about my social security number being mixed with my father because of the same first and last name. 
I think they are punishing me for this complaint before. 
I think it is unfair and discriminatory on their part.

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 2021-06-02
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:
I have three revolving credit card account that have had a balance of XXXX dollars for three months and counting. Equifax has reported a balance on all three of these accounts which is a false claim. Equifax purposely reported the wrong information to keep my score low because of my race and geographic location. I have contacted all three credit agencies and all three lenders and verified the inaccuracies of Equifax to be false reporting. Each credit card account I have had for over 8 years as well. Equifax has reduced my credit score by 68 points on false claims of balances that don't exist on my profile. It is unjust for Equifax to be doing this to consumers because of the race and geographical location this is clearly ( systemic racism ) in a major way. The reason they keep doing it is because nobody has the money or the power to confront them on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attempted to dispute with credit bureaus Attempted to contact comedity bank express for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
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 Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX 2021 American Express processed a balance transfer to my account ending in XXXX. I never initiated a balance transfer. After days on the phone I found out that someone did a balance transfer to XXXX and for some unknown reason it was applied to my account. This was resolved but the balance transfer fee of {$350.00} keeps appearing and is now migrating to my other American Express account ending in XXXX. It is impossible to dispute a charge online with them. Instead I have to call and wait and one person tells me one thing and someone else tells me something else. This has cause me to be confused about the amount I owe monthly. Last month I paid {$35.00} and was told on the phone that it was supposed to be {$40.00} and they charged me a late fee of {$29.00}. For act ending in XXXX there were new charges of {$400.00} : {$350.00} Flexible Transfer. No one is telling me why this transfer done by someone else is now migrating into my accounts, causing confusion and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX  XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXXXXXX XXXX XXXXXXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX XXXXXXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.

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 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I received two American Express XXXX XXXX, one for {$100.00} and one for {$50.00}. I visited the website on the back of the card ( AmexRewardCard.com ) to verify the balances and see if I had to activate the cards. The website showed the cards as activated and the balances were correct. I read the reward card tips for how to use the cards and went to an online merchant, XXXX, to make a purchase. At checkout I used the {$50.00} card for a {$40.00} order and received the message that the " issuing bank declined the charge ''. I tried to use the {$100.00} card in case the problem was the amount but I received the same message. 
I called the American Express Customer Service number listed on the back of the card and on the website. I explained what happened and the representative said the reason was a " security issue '' and I should order from another merchant. I was annoyed but I waited until I needed to place an order somewhere else to use the card. I tried to place an order on XXXX and was declined again. I called customer service again and they said the same thing as before. I said that wasn't acceptable since there shouldn't be any security issues at XXXX. The representative just kept repeating the same thing with no further information. 
Again I waited and on XX/XX/XXXX I tried to make purchases at XXXX and XXXX and the purchases seemed to go through. I went to the card website and saw that the purchases were " pending transactions '' but then a couple of days later I was informed by the merchants that the card issuer declined the charge. I again called customer service and got the same answer as the other times. I told her that there wasn't any way that the problem was on all the merchants end. I was told she had no other information. I asked for a supervisor and was told there wasn't any. I asked for another phone number and wasn't given one either. I searched online and couldn't find any other numbers to call so I searched for who I could complain to and was directed here. Both of these cards totaling {$150.00} have expiration dates of XX/XX/XXXX and I stand to be gypped out of this money. I have attached copies of the pages from the Amex reward card website showing these transaction on XX/XX/XXXX, XX/XX/XXXX and XXXX. I also have the email from XXXX telling me the card was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: Thaxton Investment Corporation
State: IL
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: Problem with personal statement of dispute

Complaint:
The company is reporting this information on my credit report. 
Stating that I owe this debt. 
Which is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: FinCo Services Inc DBA Current
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was in XXXX  from XX/XX/2021 to middle of XX/XX/2021 and there was charges on my account that I didnt make I sent them a copy of my XXXX from police department so money from those dates should be put back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, Bayview Loan Servicing became the new company that took over my loan from XXXX XXXX XXXX who took over my loan from XXXX XXXX XXXX. After years of trying to get a loan modification from XXXX. 

Bayview started a loan modification for me in XX/XX/XXXX. After losing " sent '' files and other mishaps by the Bayview that prolonged the modification process for months. 

In XX/XX/XXXX and XX/XX/XXXX I received two " drive-by '' appraisals on my property which were totally incorrect. I had in XX/XX/XXXX, gotten an appraisal on my property. 

After getting turned down for a loan modification for a mistakes, like not recording documents that were sent to representative to name a few things that Bayview had made. I appealed the decision of denying me a loan modification. 

As I wait for the appeal to be completed, to my surprise I receive a " posted notice of foreclosure date '' on my property stating that a foreclosure sale is scheduled for XX/XX/XXXX. I have never received a disposition on my appeal but Bayview has hired XXXX XXXX to sale my property. 

This seems like Dual Tracking which is unlawful for a loan service to do as an appeal is still pending. I have not received anything regarding my appeal but a foreclosure sale is scheduled for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i reported to Experian about bankruptcies that are outdated and were not supposed to be on my credit report and they are still there XXXX XXXX explained that they removed the bankruptcies from my 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: NH
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:
XXXX I went out to make arrangements for my vacation, using my credit card of a {$2500.00} limit. First step was to put down a trip deposit of {$1500.00}. This was done in person at XXXX 'XXXX XXXXXXXX. Next step was to buy my airline ticket which would put me to my max credit limit. When doing this online we would get up to the part where we would put my cc information, but the computer would say that it would not process. So we had to attempt it again. We tried this 7 times every time it would take the credit information but nothing more- it would never confirm purchase, never allow me to pick a seat, never asked for a name of passenger, never gave me a confirmation number, no email to say any went through. So I finally called the airlines and made my flight. Then I got a confirmation number and on the website could see all the flight itinerary. A month later when I got my cc bill I was charged 8 times for the same amount {$840.00}. This is well over my limit- why did it go so high? And why didn't the cc question fraud purchases from XXXX? I have been trying to work with credit card for the past few months but they are only working with airlines saying I bought XXXX flights. I have been trying to clear this with the airlines but they aren't responding. The day before my flight I found out they suspended my flight- after I had paid for in full. I ended up having to book another flight last minute. I still am being charged for all XXXX flights! But I had no flight to take when I traveled???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. XXXX  XXXX XXXX has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. XXXX  XXXX XXXX XXXX  is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.

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 2023-04-07
Company: EQUIFAX, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
During Covid I was incarcerated at XXXX XXXX XXXX. My student loan is on an income based repayment plan with the monthly payment amount set at {$0.00}. In XX/XX/XXXX, Navient increased my monthly payments automatically for failure to recertify my income based repayment plan. While this was occurring, I was on a Covid lockdown in XXXX due to a mass outbreak of Covid infections. I was unable to receive communications from Navient. The student aid.gov website advises that recertification deadlines have been extended. Navient is reporting me late on 6 different accounts for the months of XXXX, XXXX and XXXX XXXX. This has devastated my credit score by XXXX points. In XX/XX/XXXX, the lockdown ended and I was able to recertify my income based repayment plan. My monthly amount due is set at the same {$0.00} payment, However Navient is reporting me 120 days late on {$0.00}. I have contacted the company many times and disputed this with the reporting agency. Navient insists it is accurate and is unwilling to correct the mistake.

Company response to consumer: Closed with explanation