BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: SYNCHRONY FINANCIAL
State: WV
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:
I have been attempting to get two charges from an auto-shop charged back to me through Synchrony Bank XXXX Care Credit for the last 4 months. 

The auto shop was unable to locate the proper replacement for my automobile and refuse to give me my money back even though they are in possession all parts that had been installed into my car. They are admitting that they are at fault but claim to not have funds to pay me back. 

Synchrony keeps closing my dispute for various reasons. I have opened disputes a total of 8 disputes for two separate charges, 4 attempts for each charge. 

The first two times I opened a dispute, Synchrony closed the dispute due to me not communicating back with them but there was zero attempt at communication from them. No emails, phone calls or messages through their customer portal. 

The third time time, Synchrony informed me that I needed an invoice for each charge from the auto shop stating that all parts/labor that I was charged for had been returned to them. I did this immediately. 

The dispute was closed due to Synchrony not having a letter stating that I was still owed the funds for the auto shop. They told me that this letter could be typed by me, not the auto shop and did not need to be notarized. 

I immediately sent this letter along with all additional paperwork that they had stated they needed in the past. 

The dispute was closed again for lack of proper documentation. Again. 

Synchrony seems to change their rules and requirements for filing a dispute claim. The worst customer service management team I have ever encountered. 

I am looking to take legal action against Synchrony Bank due to financial negligence and will be closing my 5 credit accounts that I have with 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 monetary relief
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Capital One credit card twice on XX/XX/2020 to find out what kind of financial assistance programs they are offering so that I could close my account and enter into a long-term payoff plan. I have credit cards at XXXX and XXXX XXXX in which I am enrolled in long-term payoff plans in which interest was reduced, in one case with XXXX I am paying zero interest, and no late fees for either card. XXXX XXXX offered two options, including a one year zero interest plan or a 5 year pay off plan. Captial One is only offering one month deferrals, so I got a 2nd deferral. This is not meaningful assistance and I believe the Capital one knows this. They earn more interest with a deferral so it benefits them. They also refused to refund a late fee in which I made my payment 10 days late, because they had refunded a late fee in XXXX. Both late fes occured during the pandemic. So they are in no way trying to work with their customers and are not offering any kind of financial assistance program. Payment deferrals are to their benefit. On my statement during the one month deferral, the interest charged was higher on the same balance. I have attached those 2 months of statements. The representatives on the phone are trained to say that they are here to help, yet can not offer any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: FL
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:
On XX/XX/2023 there was a hard credit inquiry that was submitted to my credit report. 
The company listed is XXXX XXXX. I first contacted XXXX and they gave me the full name of the company. They do credit applications for people that want to pay for glasses through a payment plan. I recently purchased glasses so I thought that it was valid. Then I contacted my optomistrists office and asked them why the submitted a hard inquiry when I didnt authorize it. They said that they dont use XXXX XXXXXXXX.I contacted Comenity Bank who is the bank behind the XXXX XXXX XXXX XXXX 
None of these companies have any applications listed under either my name or social security number. However, my name is connected to this company in some way. I have contacted XXXX XXXX and they have no information about this. I have asked Comenity Bank to remove the credit application and mark that it was an unauthorized hard inquiry. They will then sent it to the credit bureau so the credit bureau can remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX  the birthday is incorrect too

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 2023-05-01
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive called this company spoke to a customer service agent as well as a supervisor. Neither of the calls made yielded a contract saying I was in an agreement with them. They say they are a third party agency that bought a debt and I need to pay them {$200.00}. I do not owe this company any money, nor have I signed an agreement to pay them any money on behalf of any person or business. I asked for the comp [ any to send me the original contract for this agreement and I was told they do not have it. Please remove this from my credit report as a derogatory item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In relation to my previous claim - XXXX. 

I have noticed a charge on my XXXX for Experian again! XX/XX/2021 PLEASE STOP CHARGING ME. I don't know what my options to deal with this, it's like this big company just takes my money and I can't do anything about it.

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 2023-07-19
Company: EQUIFAX, 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opens my credit report and noticed my XXXX account says I was late on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I have never been late on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATEXXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2018-12-26
Company: DISCOVER BANK
State: CA
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:
On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 2021-06-15
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
My American Express account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to XXXX law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: GOLDMAN SACHS BANK USA
State: TX
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:
XX/XX/2020 - I attempted charge for item online, but it was declined XX/XX/2020 - I noticed a charge on my new XXXX cycle for the amount of {$1000.00}. I contacted merchant to have it reversed, they declined. 

XX/XX/2020 - I opened a dispute with creditor XX/XX/2020 - I contacted creditor for update, they stated that the dispute was in process and they claimed I would receive a provisional credit, but I never received one. 

XX/XX/2020 - I contacted creditor to inquire about the provisional credit before I made my XXXX statement payment. I was told they would look into it and I was never notified or responded to. 

XX/XX/2020 - After waiting several billing cycles and 90~ days from time of opening the dispute, I contacted the creditor for the resolution. They claimed I withdrew my dispute but offered no proof or any details of that claim. 
They transferred me several times until they said they would pass it along to their manager. 

I never received the item in question from merchant. 
I also never received any sort of credit or reimbursement from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-04-18
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I discovered my debit card had been used to with withdrawal over {$1300.00} + {$56.00} in fees at at least 3 ATM machines. I had the card in my possession while these withdrawals were being made. I gave no one my card and pin. I believe a skimmer was used to duplicate my card. These transactions were made XX/XX/XXXX. 
I reported and filed a dispute with netspend. I provided everything they asked for. I waited the 10 days to get the results of my investigation and provisional funds. They denied my request and closed the dispute saying no fraud was found. I was notified via secure inbox on the 11th day that my dispute was closed. I can't understand how they came to this decision and closed the dispute..here is why .... I have a limit on my account of {$950.00} per day. whoever stole my info was able to take out much more than {$950.00}, in addition I am alerted via text and email after EACH transaction. I was NOT alerted. This leads me to believe again that someone made a copy of my card. 
Netspend has been impossible to communicate with regarding this matter. They do not allow me to talk to a supervisor or most importantly, anyone in the dispute department. I was told I would definitely get provisional funds and then denied. The info I get from the customer service department varies and I'm often told that the previous representative gave me wrong info. 
This was my entire monthly check..gone. Netspend failed me miserably

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 2023-07-19
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or deleted from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with non-monetary relief