BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid 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 ordered dresses from XXXX on XX/XX/XXXX and paid for the three day expedited shipping. By the end of the first week of XXXX, I emailed to inquire status and then I cancelled my order. The second week of XX/XX/XXXX, I had not received my items, I cancelled my order again and told the company I do not want to do business with them. They sent me a return email stating that my order was on the way. I told them again that I didn't want it and they in turn sent me the order at the end of XXXX anyway. I had to send it back PAYING SHIPPING AGAIN when I told them not to send me the order as it was cancelled anyway! I paid for these items through PayPal Credit and to whom I sent in a dispute. After months of going back and forth, I received an email from Paypal stating that they denied my dispute as the reason of my items not looking the same, they are not seeing proof. The items looking the same was NEVER my claim. My claim was that I paid for three day shipping on XX/XX/XXXX, but cancelled my order my by three first week of XXXX. This company forced me to do business with them by sending the items anyway AND I DID NOT RECEIVE THEM UNTIL THE LAST WEEK OF XX/XX/XXXX. I TOLD THEM I DID NOT TO DO BUSINESS WITH THEM AND TO REFUND MY MONEY. I HAVE THE EMAILS REQUESTING THIS. Paypal will not accept an appeal from this unresolved dispute ; They simply just toy around with me by keeping me on hold. Very XXXX!!!! XXXX says not to return to the address given but, would not provide another address. I returned items to address on packages.

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 2023-06-27
Company: Experian Information Solutions 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:
It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Sears Credit Department/Citi Bank adversely closed my credit card account while I 'm a victim of identity theft and then hung up in my face while I was trying to explain that the credit report that they have pulled may not be accurate. I contacted Sears Credit Dept and explained that I have had all my credit reports frozen because I 've been a victim of identity theft. That in the past I 've had trouble with the viewing of my credit report because it has been frozen by all the credit bureaus. I asked about the credit report pulled and I wanted to make sure that it was an updated report because not an old report because I had my reports frozen. I asked to speak with a supervisor because the credit analyst explained that there was nothing that I could do even though I was a victim of identity theft. I spoke with the the supervisor where the supervisor explained that they do n't pull my credit report but a summary or snapshot of my credit report through XXXX. I then explained that when you pull a credit report it explains that Ive been a victim identity theft instead of just a summary of my credit which may or may not be accurate. She said its great that you 've had your credit reports frozen but you need to take the derogatory comments on your credit report with XXXX. I explained that I had never paid Sears late in spite of identity theft. As I explained to the supervisor that my account should n't be closed when I 've had my credit report frozen as a victim of identity theft I was then hung up on by the supervisor. The supervisor and the credit analyst had my telephone number in the event that the call was disconnected and to call me back if the wait was too long. However neither attempted to call me back. Sears/ Citi Bank does not have procedures in place when their customers are victims of identity theft and that they make adverse decisions regardless of whether their summary snap shot review is accurate or not. Had they pulled my credit report they would 've been aware that I was a victim of identity theft. I would like my credit card account re-opened. I 'm a person and unforeseen things happened but I 've never paid Sears/ Citi Bank late. I 've got a great pay history and have worked hard to try and keep that but does not matter to Sears/Citi Bank. Closing my account continues to hurt my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. 
Equifax reports an account number that is partially masked as " XXXX XXXX' Account Type : All three bureaus report an " Open Account '' as the account type. 
Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. 
Bureau Code : All three bureaus report " Individual Account '' as the bureau code. 
Account Status : Equifax reports " Notsatisfying F20_TRADE '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. 
Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. 
High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. 
Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. 
Past Due : None of the bureaus report past due information. 
Payment Status : Equifax reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : Equifax reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXXXXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX 15 US Code - 2 - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
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:
TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
i was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX said car was overheating water is leaking because it needs a water pump. They replaced it and I paid XXXX. The car started overheating next day called them XXXX. I took car to XXXX XXXX XXXX and they spoke with XXXX. The car was overheating and water leaking in the back possibly the new water pump is defective.

Its under warranty so XXXX   came got it and said they replaced water pump, I got car back on Friday evening and drove it Saturday and it starting over heating. Monday called XXXX and told them it isn't fixed. They never called me back and still to this day haven't. I have phone records to prove I tried to get this resolved and called many times. I then took it to XXXX XXXX XXXX and after they told me its leaking water and the problem is the engine not the water pump. I called and disputed charge with capital one.

and capital one rebilled me in XX/XX/XXXX. XXXX  got car inXX/XX/XXXX and I got it back XX/XX/XXXX for couple days and they took it back returned it XX/XX/XXXX and XX/XX/XXXXwent to XXXX XXXX. Disputed charges and waited. When I was rebilled I contacted capital one and the asked me to send letters, receipts etc.. I did and then I was told sorry you're out of time, I was in XXXX  for month of XX/XX/XXXXand returnedXX/XX/XXXX. Capital one sent a letterXX/XX/XXXX I didn't know untilXX/XX/XXXX. They said I was out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Stellantis Financial Services US Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car loan with Stellantis Financial for a XXXX XXXX XXXX. My first payment date was XX/XX/XXXX, I went on their online portal to make a payment. My debit card was not going through so I decided to use my checking account. 2 days later, {$720.00} came out of my bank account and then another 12 days later, another {$720.00} came out of my account. I called Stellantis and they repeatedly stated that the payments were returned and did not come to them. I then called my bank as I saw both payments on my statement and they confirmed that both payments went through and provided me the e-check numbers. I then called back Stellantis, provided them the information and was told a manager would reach out to me. No call back. I am then called again stating my account is past due. I emailed over my bank statements that SHOW the payments were made and nothing was returned. I was then told I would receive a call back from a manager. No call as of XX/XX/XXXX and on my online portal, it shows my car was forwarded for repossession. When looking at XXXX and XXXX  reviews, I am not the only person that this has happened to. as of last month, this has happened to 3 people, via reviews. I am not sure what to do.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX reporting on at least experian credit that the account was over 120 days late on XX/XX/2021. I paid the loan off in full in XX/XX/2021. It was never 120 days late. 

Contacted XXXX  XXXX and they said it can take 30-90 days to fix. They verified that the information is incorrect but they are unwilling to send a letter stating this so that I can do a rapid rescore on my credit. I have property in contract and unable to get financing secured because of this error. 

I need it fixed ASAP.

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 2016-06-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Started to dispute a charge on my with citi credit card. 
Received a follow up letter from Citi Credit Card, I answered by fax, email and mail to the 1st letter follow up along with all the required documentation to ..substantiate my dispute Dispute was declined, citi alleged that they did not receive a response to their request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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/2022 XXXX bank withdrew {$2400.00} from my account for check # XXXX written on XX/XX/2022 to XXXX. On XXXX XXXX XXXX bank withdrew {$180.00} from my checking account for my check # XXXX made out to XXXX XXXX. The checks were deposited at Bank of America and cleared through XXXX. In both cases the endorsements that Bank America cashed were not the payees I had designated. Check # XXXX was endorsed by " XXXX XXXX '' and check # XXXX was endorsed by " XXXX XXXX ''. I filed claims to get both amounts back ( as I was told would happen by XXXX ) in early XX/XX/2022. I have called XXXX just about every week since then and get the same answer each time that they can't do anything and I have to wait until Bank AMerica responds to their letters. There has been no response from Bank America other than they acknowledge getting the claims. It has been 5 months now with no action.

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 2022-04-28
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: Report provided to employer without your written authorization

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

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.

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 2022-04-28
Company: EQUIFAX, 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: Report provided to employer without your written authorization

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

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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