BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, Inc.
State: IL
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anv purpose.
42.5K

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2020-02-13
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX   XXXX {$3500.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX  XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX  XXXX {$6800.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX AR XXXX {$480.00} XXXX  XXXX {$12000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXXXXXX {$4000.00} DEPTEDXXXX  XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}

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 2019-06-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX defaulted on my American Expresss Charge Card with a balance for {$24000.00} due to unforeseen family circumstance. I Contacted American Express to work out agreement before default to turn the account into a revolving credit card due to my other account with them and excellent payment history. If approved I would have been able to pay card the off without any default in a timely manner. They rejected the proposal so in turn creating a default. There was a special feature on the account that was at the time called Pay Over Time which allowed some balance to be carried forward. I was able to pay the account completely off however American Express placed on my credit report with the three Credit Bureau 's XXXX XXXX, XXXX, and XXXX Paid Charge Off in turn lowering my credit report by thirty points and stays on the report until XX/XX/XXXX. I would accept this whole process due to the fact we had an agrement on the terms of this credit card. However on XX/XX/XXXX American Express sent me a check for {$2700.00} apologizing for incorrectly charging interest on the Pay Over Time feature on the account. So I imediately reached out to American Express to let them know that this is not a simple step to reiumburse the interest, they also have to remove the deragotory reporting from the credit bureau 's because technical how can there be a default if you don't know whats owed and being over billed. Currently there has not been a resolve to the removal at the time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my XXXX account was locked, I emailed XXXX support and they closed my case without helping me unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
State: FL
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 there was an unauthorized charge on my wells fargo credit card for {$77.00}. This was for a charge in XXXX XXXX. This card was in my home in XXXX Fl. I disputed the charge in early XXXX. They closed the dispute on XX/XX/XXXX without requesting any information or providing a reason. I called and submitted proof the charge was on another card. Again, no response. I called again and they said the screen shot of the charge was insufficient proof. They requested a copy of the statement with my name, address. I sent the statement copy. Again, no response from Wells Fargo.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
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, XXXX Account # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-25
Company: SYNCHRONY FINANCIAL
State: OH
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 placed an online order for a couch on Ashley Furniture 's website XX/XX/XXXX but at the end of the transaction the confirmation page listed the color brown but I ordered taupe. The purchase total was {$1900.00} and put on my Ashley Advantage credit card financed through Synchrony Bank. I telephoned Synchrony Bank at XXXX XXXX XXXX XXXX  ( 2 hours later ) to explain the situation and completely cancel the online order, stating I'd visit the local store instead. I spoke to a male representative with a heavy XXXX accent and was guaranteed all was cancelled, " no further action needed. '' No merchandise was delivered due to the Vance of this order. However, in looking at my credit reports on XXXX XXXX it showed a balance of the {$1900.00} owed to Synchrony Bank for Ashley Furniture credit card. I've lost count of how many times I've disputed this charge! They continue to insist I owe-without explanation or proof and the disputes get closed. In fact, 1- they said I stated " fraud '' at 1 point, closed the account and sent me a new card- of which I never activated! That account number now has the {$1900.00} on it! The last call I made to Synchrony was yesterday XX/XX/XXXX. I asked the status f my last dispute and they said it would be 60-90 days and that I just " re-disputed by phone to them 2 days prior, XX/XX/XXXX! I DID NOT CALL OR COMMUNICATE WITH THEM 2 DAYS AGO!!?? In addition, my credit reports are showing PAYMENTS HAVE BEEN MADE ON THIS ACCOUNT WITH COMMENT - PAID AS AGREED.. 
I never pay d them a dime for anything because I received nothing! Isn't that FRAUD??! 
We are going on a year and I'm getting nowhere with them! XXXX also filed a dispute on my behalf following my call to them for assistance. No explanation or proof of receipt of goods has ever been presented! I said come! I still don't have furniture!!!

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 2021-06-06
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried disputing a transaction with XXXX XXXX XXXX. I paid XXXX membership fee for a credit line which would report to all of my credit reports ( {$10000.00} line ). 
When waiting from XXXX to now. Pend fed has pull my credit report several times I can confirm that I never received the credit line. 
The company currently doesn't have any physically store that are open. But the main purpose of me getting the account was for the credit line to report to my credit reports. 
I had to connect pen fed several times over the span of a few weeks in XXXX to dispute this charge. its was never properly handled. 
I originally received a letter after less than a we closing my first dispute attempt. The letter claimed I got a temp credit I never received the letter list a that they tried to reach out to me in though the never did. And the call back number on the letter wasn't even a working number. 
After reaching out the XXXX dispute attempt was closed in about a week or so. This time I actually received a temporary credit that was suppose to be taken back but is the still sitting in my checking account as of the time of writing this. 
They assigned the dispute back to Each and every time I called I was told by a baseline rep the was much they could see and attempted to get me to the dispute department. No one from the disputes department would talk to me or call back. 
I received an email and also was told I would receive copies of the contract and information of the dispute. I have yet to receive anything b mail and majority of the links in the email did not work.

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 2022-05-24
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unauthorized access to my Citibank checking and savings account on XX/XX/XXXX, XXXX ET. The unauthorized person changed the phone number of record to their number XXXX. One minute later XXXX was transferred from my checking account to an account at XXXX XXXX. 
If Citibank called to confirm the wire they did not reach me because they called the number that replaced my number. 
On XX/XX/XXXX I tried to call Citibank fraud department. I was on hold for hours. I hung up and went to the XXXX XXXX CA Citibank branch. There I was assisted in filling out an Affidavit of Unauthorized Online Wire Transfer. 
on the XXXX I called Citibank fraud department and they said they were going to research the claim. I should hear back from them within three weeks. I have not heard from Citibank. When I call the fraud department I am on hold for hours. 
I will continue to try on my end, but if you can assist me in any way I would be grateful.

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: Experian Information Solutions Inc.
State: GA
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've been attempting to challenge these claims in my report, but my challenge has been disregarded. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX Balance : {$180000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2021-10-18
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: Old information reappears or never goes away

Complaint:
XXXX holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think XXXX  misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and XXXX had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach XXXX XXXX  to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on one of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.

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 2023-05-19
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened 2 store credit cards that were issued to me by XXXX XXXX. One was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX. My credit limit was lowered 2 times. I started with a credit limit of {$800.00}. It went down to {$670.00} in XX/XX/XXXX and again to {$510.00} in XX/XX/XXXX. I telephoned the bank to inquire why they were lowering my limit. They told me that every few months they check my credit report. According to them I had serious delinquencies on my report that was reported by XXXX. I pulled my credit report from XXXX. It shows that I made two 30 day late payments in XXXX & XXXX of XXXX. XXXX XXXX then closed my account on XXXX of XXXX again for serious delinquencies that were being reported by XXXX. I telephoned the collections office again to inquire why they closed my account. The other store card that they issued to me was also being lowered and then canceled on XX/XX/XXXX. I was 30 days late on 1 payment on XX/XX/XXXX. When I asked why they issued me the cards in the first place, they could not answer that question. My credit score has been going up every month so I could not understand why they would cancel me. Also, the cards were issued to me AFTER I filed chapter XXXX bankruptcy which occurred in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation