BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
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:
Under new rules for reporting medical collections. Any amount under XXXX dollars should be removed from my credit reports. I called Experian and they verified they understood the new rules. I have a medical collection on my report that is under XXXX dollars and I disputed it with them. The results came back as updated while the item remained on my credit report. Since the government 's new rules have taken effect as of 2023 this item should rightfully be 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 2020-03-28
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I, XXXX XXXX XXXX initiated a credit builder card approximately one year ago with Amazon under Synchrony Bank a FDIC backed bank. I have paid all balances by the end of each month. However, in XX/XX/2020, I noticed changes in the way that the bank was handling the account. In addition to using this card on the Amazon site, I also used it on XXXX XXXX. However, that is not a concern. The way the account is being handled by Synchrony Bank is the issue. In XX/XX/2020, specifically XX/XX/2020 and XX/XX/2020, I scheduled payments for {$40.00} and {$41.00} to pay off purchases made on Amazon and XXXX XXXX. The purchases were paid in full and I just recently noticed after paying those balances off, I was charged interest in the amount of {$1.00} for a balance of {$0.00} on XX/XX/2020. Then, I received a statement for XXXX, in which I paid but there is no corresponding transaction, and Synchrony Bank agrees, there was no transaction for this amount billed and paid. I paid the amount of known purchase from XXXX XXXX in the amount of {$39.00} on XX/XX/2020 after making the purchase on XX/XX/2020 and the balance should have been {$0.00}. It appears from a statement on XX/XX/2020, the credit card company ( Synchrony Bank ) forwarded a balance of {$39.00} and it was not paid. Known purchases in the amount of {$35.00} for XX/XX/2020, {$1.00} for XX/XX/2020, and {$20.00} for XX/XX/2020 have been scheduled and paid as of XX/XX/2020, XX/XX/2020, and XX/XX/2020. The credit card company, Synchrony Bank after receiving all these payments issued a statement indicating a balance of {$89.00} is owed with no transactions being made since XX/XX/2020 and all of those transactions were paid in full. Per the dispute forms filed, no further payments will be made on disputed amounts of {$89.00} or greater ( which includes any potential fees ( late charges, interest, etc. ) as all transactions not being disputed have been paid.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

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 2023-04-06
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-01-09
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Below is your response to my last complaint : Please know the account charged off on XX/XX/XXXX, with a {$110.00} outstanding balance. That outstanding balance was paid in full on XX/XX/XXXX. Upon investigating this complaint, we found the account has been reporting inaccurately to the credit bureaus. We extend our sincerest apologies for this error. Weve requested the three major credit bureaus ( XXXX, XXXX and XXXX ) update their reporting to accurately reflect the account as charged-off, paid in full. Please note this update could take up to 30 days to process. Weve confirmed we sent letter responses to all three of your previous debt validation requests, which we received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our responses were sent to you the day after we received your requests. Enclosed for your reference are copies of the original credit card application, the terms and conditions applicable to the account, the above-referenced debt validation responses and your billing statements from XXXX XXXX XXXX. Should you have any additional questions, dont hesitate to reach out to us at XXXX. 

Since you have inaccurately reported I there is a goodwill adjustment/deletion that must take place according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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:
I contacted Experian with regards to the collection account XXXX XXXX XXXX I requested Experian provide me with the documentation ( Signed XXXX form ) that was sent to them ( Experian ) in order to verify the accuracy of this medical collection. Experian responded with a generic letter stating this account was verified as accurate. I advised Experian that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Experian still continues to report this collection on my 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: VA
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:
When my home needed a new heat pump in XX/XX/2021, the contractor I selected offered XXXX months financing@ 9.9 % interest. I did not know where the financing was coming from. After paying Wells Fargo for several months ( $ XXXX on the credit limit of {$17000.00} ) I was made aware that I was eligible for 0 % interest. I research this offer from Wells Fargo, while they took back the monies given to the contractor. I told Wells Fargo on XXXX occasions, if the offer doesn't lower the $ XXXX or lower the origional debt of {$17000.00}, forget it. I'm not interested. I will stick with the origional agreement. Wells Fargo changed the terms of the agreement without deducting the 9.9 % interest all on their own, without my consent.

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 2023-08-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF EDXXXX XXXX ... XXXX 
{$12000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$2200.00} ; XXXX  XXXX .... XXXX : - ; XXXX XXXX  XXXX .... Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX via XXXX XXXX XX/XX/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 2021-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I ordered an official check # XXXX which was to be delivered to a landlord for rent. In late XXXX, I became aware that the rent had not been received and I contacted USAA to troubleshoot. 
USAA told me that XXXX was the vendor that they contracted to deliver the check. I contacted XXXX and in early XXXX was told that XXXX had officially lost the package based on the tracking information. 
I then called USAA and asked them to refund my funds because the check had been lost. I was told that a Declaration of Loss and Indemnification form had to be signed and that it would be 90 days for the date of the check issue before my funds would be refunded. USAA prefilled the form, I signed it and uploaded it to the documents section on their website. Within a couple of weeks I received a letter stating that USAA had rejected the form. Since that time I have called USAA several times and re-signed and uploaded the document several times but USAA has not refunded the {$1700.00} that should have been deposited in my checking account on XXXX. I spoke to a USAA XXXX on XXXX and I was assured that the issue would be resolved or that I would be contacted on XXXX, but that never occurred. I told USAA that I had sent replacement funds to the landlord in XXXX and that if the check was cashed it would be a fraudulent activity. To date, USAA has not informed me that the check was cashed. Instead they falsely claim that the documents I sent have no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill thru Convergent for {$50.00} for an XXXX account I dont have. I have never had XXXX as a service.

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 2023-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my Cash App card to pay for a hotel room and the incidentals on XX/XX/2022. The amount the card was preauthorized for was {$190.00}. The settled amount was for {$160.00}. CashApp is refusing release the difference between what was charged versus what was held for the authorization. Saying that I must dispute the transaction that they do not get an updated amount from the merchant. Its my responsibility to contact them and have them refund the amount to me as they were sent the entire amount. Which is invalid and not accurate as this is not at all how pre-authorizations work. I have tried to get them to correct this, showing them that theyre blatantly lying when they have said they dont receive the updated amount the card is processed for that is literally included as part of the transactions details in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have incorrect information on my credit report it's costing me financial injury I can't get housing car loans or apply for credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They keep changing the amount due several times per month. Ive made multiple payments in one month, but none seem to go against the balance. Still the bills remain doubled ( even with consistent payments and early payments against the account ). Ive tried calling and chatting with customer service to no avail. The bill is {$18.00} per month and not a penny more or less.

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 2023-06-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-03-01
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I paid off my nearly 5 year car loan with Honda Finance Service DBA American Honda Finance Corp. On XX/XX/XXXX, I contacted the customer service line because I had yet to receive my title nor any communication with regards to its release. To my shock and dismay, the company claimed that my cars title was held in XXXX, of where I was a resident for nearly 3 years, which I refuted. 

I refuted this claim as I have since returned to XXXX  and was able to register the vehicle in the state. All issues of title and anything vehicle related has to be resolved before doing so. As a result, I was berated and hung up on- even my a supervisor upon request. 

I contacted XXXX  DMV on XX/XX/XXXX and they confirmed by skip tracing my vehicle history over the phone that there was never a concern with regards to title held in another state. They also reported to me that no notes on the matter raised by Honda were indicated. 

I also contacted XXXX DMV on XX/XX/XXXX and they advised me to send an SR-4 letter to the finance company to prove that XXXX  ( 1 ) never held title on my car and ( 2 ) does not stipulate having title as a prerequisite to register the call in the state. 

I relayed this information to XXXX from Honda when she called me after I filed a XXXX XXXX XXXX compliant-to which she sent a letter stating XXXX  XXXX, not XXXX  DMV as earlier mentioned, would not release my title to which I advised that my XXXX  SR-4 is in route to her office. She told me that Honda would request my title and I would hear back from her ; however, I did not. 

Honda reported to XXXX  that as far as they were concerned the matter is closed. However, this company no longer has interest in the car and the vehicle is paid off prior to the maturity date of the car loan agreement. This is unscrupulous business practice and bad business. 

Therefore, on XX/XX/XXXX, I told the company per Federal and state law, it has exceeded the 60 days timeframe in which to provide me a release of lease to which I received a call back from Honda Rep. XXXX requesting more time without a specific timeframe and continuously placing blame on the XXXX  DMV system that has already refuted their claims of needing proof of XXXX  removal of title. 

I am seeking CFPBs assistance in holding Honda reliable for its mix messaging and delay in releasing title. Tomorrow will mark 3 months since I have paid off my car note but I have nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: LA
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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in correcting the personal information on my credit report. I recently obtained a copy of my credit report and noticed that some of my personal information, specifically my address, is inaccurate. To ensure the proper handling of my personal and financial information, I kindly request that my correct address be updated on my credit report. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Correct Information : Address : XXXX XXXX XXXX XXXX XXXX 
City, State, Zip Code : XXXX XXXX, LA XXXX Please find enclosed a copy of my driver 's license/utility bill/lease agreement as proof of my correct address. I request that you update my credit report with the correct information and remove the incorrect information. Additionally, I kindly ask that you send me a confirmation letter once this update has been made to ensure that my records are accurate. 

I understand that errors may occasionally occur in credit reports and appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your assistance in resolving this issue. I look forward to receiving your confirmation letter. 

Sincerely, XXXX XXXX Enclosures : Proof of correct address ( driver 's license/utility bill/lease agreement )

Company response to consumer: Closed with explanation