BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: SYNCHRONY FINANCIAL
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
This issue concerns my PayPal Extras MasterCard which is serviced by Synchrony Bank. 

On XX/XX/22 I called Synchrony Bank customer service to question a charge for XXXX that was applied to my account on or around XX/XX/22 I was told that someone claiming to be me had called to request a refund check in the amount XXXX and that request was approved I advised the agent that this was a fraudulent transactions and I have never made such as request During this XX/XX/22 call I was advised by a customer service supervisor that I would receive a credit to my account in the amount of XXXX within 2-3 weeks I did not received such a credits in 2-3 weeks as promised nor have received any such credit since I found out later that said check was mailed to a an address in XXXX XXXX XXXX, FL which is an address that I have never used nor was it ever associated with my Synchrony Bank credit card account I also found out later that the check that Synchrony Bank issued to the fraudulent actor was cashed on XX/XX/22, which was 4 days after I initially called their error to their attention I have made many calls to Synchrony Bank customer service in the interim to document my case and to request corrective action I have also sent 2 separate letters via USPS to the customer service address printed on my statements I still have not gotten the relief I was promised and I have been incurring interest and fees while my dispute has been ongoing. 
My experience with Synchrony Bank customer service during this dispute has include many long hold times, disconnected calls and broken promised by those who claim to be customer service supervisors. This poor responsiveness from customer service was on top of their inadequate fraud detection and response process which resulted in my becoming a victim of this incorrect charge to my account in the first place.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
IMPORTANT : any communication should go to XXXX email!!! Account : XXXX is closed!! 
In my earlier complaints I described that I can not cash the cashier check of Bank of America # XXXX. In XXXX XXXX 's latest response ( Case # : XXXX ) suggested to negotiate international bank to cash the check. I negotiated XXXX XXXX XXXX Bank ( XXXX XXXX XXXXk ), but they also declined to cash this check. 
In the meantime the cashier check expired. As XXXX XXXX adviced I called the XXXX 3 times. I can not go to the administrator, because the system requested telekod, card number, or account number, and I do not have any of 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 2022-10-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: INTERFIRST MORTGAGE COMPANY
State: MI
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:
On XX/XX/2021 INFERFIRST MORTGAGE COMPANY pulled my credit report without my consent. I learned about this on XX/XX/2021 after I received a letter from INTERFIRST mortgage that they have pulled my credit report. 
I tried to contact the company right away as I have never spoken with them or provided my social security to any one. They never picked up the phone. Later I called and left a voice mail to XXXX XXXX XXXX # XXXX, who sent me an e- mail asking me to call him on XXXX. I called him and tried to understand how he was able to get hold of my personal info. Or pull my credit report without my consent. First he said that I provided my social security on line. Then, when I accused him of lying he said someone submitted a refinance application on your behalf. I asked him to call the credit bureaus and explain that the credit report was pulled mistakingly but he stuck to his story that someone submitted an application on my behalf. So, I told him I will sue and hung up the phone.

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 2022-10-11
Company: EQUIFAX, INC.
State: IA
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:
Account is stating incorrectly by XXXX and Equifax. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX Equifax Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while Equifax report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with XXXX charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with Equifax. This is a total mistake itself dates do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: MA
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:
The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the Credit Bureaus

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 2022-11-21
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX XXXXsynchrony bank XXXX I made a complaint about fraud to the bank, about 6 month ago. Someone did purchases online without my authorization. Someone stole my identity and reached out synchrony bank/XXXXXXXX XXXX requesting new credit card on my behalf ( new credit card was sent to a different address, that they have on record, I was told by customer service representative XXXX Synchrony bank does not have any protection for to their customers they allowed transactions online for {$15000.00} ( It is RED FLAG ) and I DIDN'T GET any alert notification. I have been reporting this to them for SIX MONTHS However Synchrony bank has not removed all those fraud transactions from my account. I am really frustrated, please, please, please help me.

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 2015-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I 've been blacklisted with Chase for no reason. Now, when I apply for credit, I get automatically denied. I have no recourse as to how I can rectify this with them. I feel this is discrimination as I did nothing wrong. I was never late on any payments. I always paid my cards on time. I was approved for every card that was issued to me. Then one day they closed all my accounts and have blacklisted me since. There was no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Sa-Vit Enterprises, 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: Problem with personal statement of dispute

Complaint:
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. 
HELP!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is by XXXX XXXX, This was identity theft There are several issues on reporting - This account was removed as identity theft, somehow reinstated a 5 days reinsertion letter was never sent, by law this has to be removed from my report- Experian is the only credit reporting agency that is reporting this debt. IF all bureaus verify this information and the same information =, how did XXXX and XXXX remove this as fraud but not Experian, however Experian can not tell me how this was verified, who they spoke to. Especially since I possess a letter that states it was fraud from 6 years ago, this letter has been sent to Experian that is why it was removed and they are refusing- BY law I should be told how this was verified, who they spoke to the number that was called and a reference number. I have requested this 10 times and received nothing - How is this reporting as an active account when it was charged off, If this account is charged off, it should not have a balance, if it was charged off and not reporting monthly. This is not reporting correctly and hence i want it deleted NOW They are not doing anything correct but you keep allowing then to report incorrectly.

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 2023-09-06
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I, XXXX XXXX, am filing a complaint on Cash App who is defaming my reputation causing harm with slander that has caused emotional distress. I opened a checking account with Cash App XX/XX/XXXX. My Cash App account was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to Cash App and this caused me to not be able to retrieve my funds and accumulate multiple late fees with my bills as I had to change my banking information with my employer. The reason that I was given by Cash App was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised Cash App that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission, I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees. I am requesting proof of what Cash App is claiming of me, yes this is me, the next step is an attorney for defamation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. Furthermore Transunion continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment.

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.

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 2023-10-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Credit Recording Act, XXXX ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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