BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Suntrust XXXX XXXX XXXX and for the last 2 months the amount due shown in the credit card app has been incorrect. I have paid the amount due on time and have been charged a late fee each month. The representative this time has indicated that I can not trust what the app says and that I need to pull my statement and pay what it shows is due on the statement. They have not been able to provide any explanation for why the two amounts do not match. After the first months issue, I did call the customer service line on XX/XX/23. I was told my account still reflected a {$40.00} balance and that it was incorrect. They said the payment had been misapplied and a form was being submitted to fix the issue. I was provided submit ID XXXX. I was told not to make the {$40.00} payment. On XX/XX/23 I was charged a late fee. On XX/XX/23 I called customer service again. I was told the previous rep was incorrect, and I needed to make the {$40.00} payment. I made the payment on the phone with that rep immediately but was told they could not waive the late fee. I then made my XXXX payment as represented in the app. On XX/XX/23 I was charged another late fee. On XX/XX/23 I called again and was told that the amount I needed to pay was actually {$170.00} not {$40.00} and they could not waive the fee even though I was provided incorrect information. I have filed complaint # XXXX. Suntrust is deliberately displaying incorrect minimum payment information to the consumer in their payment app in order to defraud the consumer and charge illegitimate late fees. And then they are falling back on the consumers need to review their statement for accurate minimum payment info.

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 2021-05-27
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/2019 I had the unfortunate circumstance of requesting an online payday loan with a company named Loan at Last. At first I borrowed a {$300.00} loan, and once it was paid off, borrowed a smaller {$200.00} loan, and once that was paid off, borrowed a {$600.00} loan. I paid it off quickly but realized I needed to reborrow the {$600.00} amount. This was late December 2019. I made 3 payments as per my loan agreement of {$97.00} until I could no longer afford to do so after losing employment due to the COVID-19 pandemic along with millions of other individuals. Company restructured my loan and lowered the interest rate to 244 %. The initial interest rate was over 600 %, a similar rate to the previous 3 loans I had with the company. The remaining balance was {$570.00}, and nearly a year later I still have not managed to pay the balance off. Company has stated mutually agreeable solution was reached. This is inaccurate. I have requested the remaining balance of {$250.00} be forgiven multiple times to no avail. I have all my bank transaction records to prove the hundreds of dollars I have paid in interest. I contest the remaining balance of {$250.00} and am in complete disgust that they are allowed to operate legally. I have spent almost {$900.00} on the interest payments alone, not including the actual principal loan amounts, paying off my loans with this company since becoming a customer in 2019. I have thoroughly read all of the loan agreements. I know that some representative will write a response to this complaint justifying their actions. There is no justification. It is extremely unethical and predatory to charge 600 % interest. They are trapping consumers in an endless debt trap from which there is no way out, and they are fully aware of this. Claiming these are high risk loans to consumers with poor credit is their excuse, and I hope the day finally comes when lenders of this type will be prosecuted and put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Account information incorrect

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, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Garner & Conner, PLLC
State: TN
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 received several debt collection letters from the debt collector. The most recent one dated XX/XX/XXXX XXXX letter states that I owe a total of {$4900.00}. The credit card was opened without my consent I assume many years ago before XXXX possibly XXXX as I was a victim of identify theft during that time. The debt collection letter changes each time and I states four different amounts that I owe. {$4900.00}, {$3200.00}, {$390.00}, and {$2800.00} Which is quite concerning for me. I reached out to the original credit card company to get more information about the account and the account could not be found. I also provide my social security number and an account was not found. I responded to the creditor with a debt validation letter to validate their claim against me. The have never responded. My most recent letter was sent on XX/XX/XXXX. I continue to receive letters pertaining the amount only. They will not validate the debt or any information. The credit card number is non-valid, fraudulent or the debt collector does not have correct information and therefore will not respond to my letters with proof. I understand that Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA and I like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I was contacted by phone by Synchrony Bank regarding my XXXX XXXX XXXX XXXX. I told the rep that I get paid near the end of the month and to schedule my payment on XX/XX/XXXX. He told me he would note that in my account. 

On XX/XX/XXXX, I was contacted again by Synchrony Bank. I told the new rep that I had spoken to his colleague and there should be a note in the account that the payment would process on XX/XX/XXXX. He told me he saw the note but at the time of the previous call that was too far into the future to schedule the payment. So I proceeded to give him my payment information so that this new rep could schedule my payment for XX/XX/XXXX. 

My other cards ( XXXX, XXXX XXXX and XXXX XXXX ) all pulled on the scheduled date of XX/XX/XXXX. 

I received a call from Synchrony on XX/XX/XXXX stating that I was past due. I told her that her colleague said they would be pulling my payment on XX/XX/XXXX and asked what happened. 

She put me on hold for several minutes and said there was a system error and that something with my payment information must have changed. All other creditors had no problem processing my payments on that day. 

I ask how long after making my payment will I be able to use my card. She said 24 to 48 hours to process the payment and remove the hold. 

She takes my payment information, gives me a confirmation number, then informs me that my card has been closed. She said she would get me over to customer service to see if they could get my card opened again. Her name XXXX. 

She transferred me to XXXX in Customer Service who said there was nothing they could do to help me. 

I am incredibly frustrated that while I was in communication with the bank it was never communicated with me that the account was closed or in danger of closing. I made several good faith efforts to pay my account and I'm being penalized for their system error. 

Why was I only informed I could no longer use the account AFTER I made the payment? 
Why did no other rep inform me that my account was closed? 

It feels like they get to shrug their shoulders and leave their customers twisting in the wind when they have a system error or " glitch '' that they say there is no further information 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 2022-05-25
Company: U.S. BANCORP
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:
On XX/XX/XXXX I put in a fraud claim with XXXX XXXX Bank for a charge of {$10000.00} that happened on XX/XX/XXXX from a merchant that I have never done business with. I was given a fraud claim number of XXXX. XXXX XXXX Bank Credited me back the money on XX/XX/XXXX and also sent me a letter stating that. They also sent a letter stating that I received services from said company but never provided any information or any paperwork on that 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 2021-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
on XX/XX/21 around XXXX, I was notified I had a questionable charge made on my credit card. It was for nearly {$800.00} to a company I have never heard of or purchased from ( XXXX XXXX ). I immediately filed a claim with my bank ( Bank of America ) and was advised to report it to my local police department as well for good measure. My credit card is now frozen/suspended and I will be receiving a new one in the mail. They directed me to also make this claim and a precaution and way of documenting this incident. As far as I know, my bank is not holding me responsible for the charge and will monitor my account for the time being.

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 2023-07-14
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:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I feel USAA is punishing me for a XXXX bankruptcy filed in 2019. USAA will NOT activate my bill pay feature on a NEW checking account. They say because I had a debt with them they will not activate the bill pay feature with newly established account. I tried to work with the executive offi e but they wont do anything. Their decision is punitive in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: ID
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NJ
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX  Account NumberXXXX Account Number : 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.

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 non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

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 2020-06-09
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  is reporting XXXX  history that is 13 years old with the case closed as well as the XXXX  that I was XXXX  of here dismissed by the State of California due to compliance and completion of intense XXXX XXXX, XXXX XXXX, that I successfully completed dismissing my XXXX  as of XX/XX/XXXX. The records are outdated and past the 7 year law [ Cal. Civil Code 1785.13 ]. This adverse reporting is negatively affecting my employment opportunities. Checkr is also reporting the same information incompletely and it should be removed. 

The case number XXXX FILED XX/XX/XXXX, DISPOSITION XX/XX/XXXX, XXXX COUNTY seems to be a form of XXXX profiling and violates my civil and individual rights and opportunities for gainful employment in which I am qualified for. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: MI
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 set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

Company response to consumer: Closed with explanation