BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
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:
This company is unreal for today 's marketplace : When calling to cancel they say you can by going to activity but it is not true.

It is the worst website, jumps when you go to it, and with all the transactions they are the pitts. 


How do I cancel a payment on CareCredit? 
The easiest way you can cancel your CareCredit Credit Card is by calling customer service at ( XXXX ) XXXX. Alternatively, you can cancel your credit card by mail. You can not cancel your CareCredit Credit Card onlineXXXX XXXX, 2022

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 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes. 

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.

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 2018-08-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Every day I receive threatening calls telling me to let XXXX XXXX know and that I must take action on his behalf. I do not know the person they are calling for. I do not know how they got my number. They call from various numbers in different states. They know they do not have the right person but keep harassing me and leaving harassing voice mails that I have saved. 

The have called from : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I submitted a payment of {$640.00} from a checking account ending in [ ask if needed ] which had XXXX XXXXXXXX on it to Citi Bank to pay my balance and keep my account funded. After a few days, I recognized a Return Check Fee. Confused to why that would be I would call Citi Bank for the first time on XX/XX/XXXX inquiring about the fee and why. The person on the phone did not explain the fee after I constantly asked why and I asked to get it waived which they agreed to do, I just had to wait until my statement posted on XX/XX/XXXX. Waiting until XX/XX/XXXX I would call Citi again as I noticed that another returned check fee appeared again. This agent wasnt informed on what it was either and once again said that when my statement is posted, they will reverse it and my account will be reflected to show the proper balance. So I wait until the next day where I receive an email saying a Replacement Payment is required. So I call Citi to ask about that as well as with an agent on the phone saying my account is fine all I have to do is make a payment. I used my account Ive been using with Citi to make payments to make a payment of {$680.00} which XXXX XXXX confirmed on a call I had with them minutes prior that they see the payment and it will be released, everything is all set. Hours later, I check my Citi account is closed with no notification after being strung along for a week and lied to before the account was randomly closed after taking a {$680.00} payment from me verbally after going through their verification process on each call. 

I reached out to Citi Executive Response Unit to explain the situation and they made a case to investigate it under the case number [ ask if needed ]

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 2023-09-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
there are five hard inquiries on my credit report from XXXX... please remove 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 explanation
Consumer complaint received 2023-09-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it concern I am filing a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX XXXX XXXX not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove these items : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in XXXX XXXX  in XX/XX/XXXX for a trip. During this time I lost my Cellphone in a XXXX. 

I had 4 fraud charges on my bank account that I did not recognize. These were XXXX XXXX payments that I did not authorize. They were also sent to two random numbers that I have no association with. 

I filed a claim on XX/XX/XXXX with capital one with the total amount of {$1000.00}. I was told they would get back to me asap. 45 days later with no response from text, email, or mail. 

I called back in today XX/XX/XXXX. They told me the fraud charges were denied and that theres nothing they could do. 

I have a been a capital one banking customer for over 10 years and I was never notified about my claim being denied. 

I lost my phone and I did not authorize any of these transactions! This is truly ridiculous and I need help to get my Money back. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Credit Systems International, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO Account no : XXXX dates of service : XX/XX/23 and XX/XX/23 total due : {$840.00} Insurance Details : XXXX XXXX XXXX Member ID : XXXX Group no:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX. 

Issue is, the physician never sent the correct details to my insurance to be processed and now they sent the bill to debt collection agency. this will negatively effect our credit and a bad image on our part. 

There is a pending claim no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Green Mountain Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per FCRA and 15 U.S.C. 6802, as a federally protected consumer I am exercising my right expeditiously and opting out of ANY and ALL authorization, I the consumer may have given you : written, unwritten, verbal, and nonverbal.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-22
Company: United Check Recovery Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CALL RECEIVED AT XXXX ON XX/XX/2022. IT WAS A CALL IN REGARDS TO SOMEONE THAT DOES NOT LIVE WITH US NOR IS RELATED TO XXXX. CALL FROM UNITED CHECK RECOVERY XXXX XXXX XXXX XXXX NY XXXX. THEY HAVE REPEATEDLY CALLED ON DAILY BASIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

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 2023-09-12
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
As per RTR 's response of CFPB Complain # XXXX on XX/XX/2023, RTR will be emailing nearly 100 letters to theconsumer later today.As of today XX/XX/2023 RTR has once again fail to provide documents requested and promised by RTR. RTRs failure to produce documents request is a clear violation of 12 C.F.R. 1026.41, violation of California 's Unfair Competition Law ( UCL ) ; violation of Cal. Civ. Code 2923.55 ; and violation of California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Genesis FS Card Services, Inc.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 credit cards through a parent company Genesis FS ( Milestone MC and Destiny MC ). I made an ACH for both accounts on XX/XX/XXXX, and both cleared my cleared my bank account on XX/XX/XXXX. Only the Milestone MC payment was applied to that account. I called the customer service number for Destiny MC ( XXXX ) today, XX/XX/XXXX to see why my {$49.00} payment wasn't available to use on my account even though it's been withdrawn from my bank account and shows posted to my Destiny MC online account. The agent didn't give me a proper explanation, so I asked to speak to a Manager. She stated it takes up to 14 days to post to any account to " verify '' bank accounts and funds. I said that is ridiculous, both payments were withdrawn and posted to my Milestone MC and Destiny MC accounts on XX/XX/XXXX from the exact same bank account, so that's impossible. I told her what they're doing appears to be unfair and possibly illegal since I don't have access to my Destiny MC yet they clearly have the funds and I'll report them for unfair credit practices. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by TransUnion. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to XXXX. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by TransUnion or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts that are in disputes and I have a pending lawsuit against the credit bureaus for not removing accounts that are fraudulent and the phone call I had with Experian and XXXX was unsuccessful and the disputes were denied I didnt not open up a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in my name and Im requesting a account to be removed off my credit report A account called XXXX XXXX  is reported on my XXXX report XXXX is not removed the rep refused to block this account I send in documents at my own expense and they are wasting my money

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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card application was submitted on my behalf without my knowledge or consent with Chase Bank for a Saphire Credit Card. I did not provide my social or any of my personal information to anyone. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-03-13
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor and credit agencies unknowingly and had no authorization to share my information to misrepresent me on a credit report and hinder my livelihood.

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 2023-03-13
Company: EQUIFAX, INC.
State: SC
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COMENITY BANK have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities associated with my financial record.

Failure to act and/or comply will result in legal actions under Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove these fraudulent accounts 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 non-monetary relief