BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an amazon store card issued by synchrony bank with the specific intent of managing all of my amazon purchases in XXXX place to make them easier to track, and to get 5 % cash back on those purchases. Since the card was issued, I have made multiple payments, prior to my due date, including recently paying the full balance. However, even though my recent payment to pay off my full balance was made on XX/XX/XXXX, and cleared my bank account on XX/XX/XXXX, they are still showing the payment as " pending '' and their CS reps and a " manager '' who I doubt could manage a trip to the grocery store. The email they sent me when I made the payment CLEARLY stated that my payment would be credited within 1-2 business days. I still can not use the card, because they told me that they are holding it for 10 days because it was a " change in payment habits '' which there really isn't. I have made large payments in the past that were NOT held for 10 days. All purchases have been shipped to my home address and all payments made with the SAME checking account, so there are no fraud indicators. They claim that they " can not manually release the hold '' which we all know is a line of XXXX. I've worked for XXXX of the oldest ecommerce companies for 23 years, so I know it's a line of XXXX. Automation, XXXX  and algorithms are only as good as their inputs and are not infallible, there is ALWAYS a way for a human to review and do the right thing for the customer. I literally do this for a living as an Operational Policy, Risk and Controls Analyst and I write the kind of fraud trigger rules they are referencing. If they are not going to uphold the payment clearing dates they communicate IN WRITING, they should be held accountable. Customers depend on the companies they deal with to be honest in their dealings and communication. This company is obviously not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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 errorsA 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. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for XXXX XXXX received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were in forbearance as a direct result of Covid-19. I contacted SunTrust and requested to have my missed payments pushed to the back of the loan, and I received the " Subordinate Deed of Trust, had it notarized and returned to SunTrust. However, SunTrust is requiring a lump sum payment ( see attached ) for all the payments missed in the forbearance period.

Per the Subordinate Deed of Trust ( see attached ), my missed payments are payable in XXXX. My first payment was due on XX/XX/XXXX and I made the payment online ( see attached ) on or before the due date. However, SunTrust has blocked me from making payments on my mortgage account for XX/XX/XXXX. This payment is due on or before XX/XX/XXXX. As such, I contacted SunTrust via phone for assistance with making the payment, and I waited a total of over TWO HOURS ( see attached ) without speaking with a representative.

SunTrust also states it has arranged for an inspection ( see attached ) of my home ( a cease and desist is on file ) at my expense and is also threatening foreclosure.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that 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 explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. 

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 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 2023-09-26
Company: FISERV INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from TRS Recovery Services, XXXX GA on XX/XX/23 stating I owed payment on an item purchased on XX/XX/23 from XXXX. I called XXXX and they verified my account was on good standing. I sent their form back indicating this was not my debt, and asked for the Original Creditor. They sent the second correspondence on XX/XX/23 which identified XXXX as the Original Creditor. I contacted XXXX Customer Service again on XX/XX/23, and they confirmed this is not my order, there is no order with this number or amount, or item on my account. XXXX Customer Service said to ignore this, but I researched and found this is a legitimate Credit Collector. The item on the correspondence was supposedly paid for by E-Check, and I don't know what that is. I have a payment method set up in XXXX, they always email me to confirm my orders and I also get confirmation when an item has been delivered. XXXX confirmed no emails were sent to me on XX/XX/XXXX, which was the date the item was ordered. Another concern I have is that the tracking information did in fact indicate a delivery, and to a friend of mine. How did her name get attached to anything in my account? Also, the first name ( mine ) for billing is not the same as the one I have set up in XXXX ( which was my first red flag ).

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 2023-06-25
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing to express my significant concern about a problematic feature in the user interface of US Bank 's online bill payment system, which has twice led to unintended financial consequences. 

In its current design, when a user creates a new bill payment and has not previously chosen a default account for payment, the system automatically selects the first account from the user 's list. In my case, this has been a savings account that I did not intend to use for these transactions. This automatic default mechanism contradicts the user 's autonomy in making explicit choices about their financial actions. 

As the current setup stands, the system doesn't provide an empty default state, requiring users to actively select the account they want to use for payment. Instead, it prematurely pre-fills the account selection field, which can lead to unintended transactions, especially if the user overlooks this pre-filled information. 

This issue has twice resulted in an erroneous deduction from my savings account, amounting to a total of {$92.00} in fees. Although US Bank has refunded these fees, this situation underscores an inherent flaw in their system design that can potentially lead to similar issues for other customers and unfairly increase US Bank 's income. 

In the realm of banking, I firmly believe that there should be no default values attributed to financial transactions unless they are expressly specified by the customer. This would minimize risks associated with erroneous transactions and strengthen the overall user experience. 

The current system behavior, as it stands, is not acceptable. Therefore, I strongly urge US Bank to review and revise this functionality to prioritize explicit user selections and XXXX  against unwarranted financial consequences.

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 2021-08-03
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: FISERV INC.
State: NH
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:
My work corporation uses Money Network if you don't submit your own bank account details for direct deposit. I have had transactions that took place in the past 6 months from unknown sources stating I made memberships I did not make and charged me a monthly fee that I did not authorize through my checking account. I notified Money network 4 or 5 separate times in regards to these fraudulent withdrawals that I did not authorize but there was nothing done other than telling me to lock my card and that was the third answer I received because the first two said I had to take it up with my work. The fourth person saidy account had been hacked by an IP address from XXXX XXXX, XXXX, and XXXX... I reside in the United States and have not left since my father was XXXX to XXXX back in XXXX or so. I've had about XXXX $ maybe more stolen from me from these foreign places and numerous details from websites that had a XXXX in the description. I contacted the XXXX and had to confront some of them myself to have them return my money, my bank did nothing to secure my account or to notify me of fraudulent activity knowing that I had called and complained numerous times. So here we are again and I got paid XXXX dollars in my paycheck, haven't spent a dime of it yet but somehow only have XXXX left in my account and no available credit in my XXXX XXXXXXXX account which I have also been having issues with regarding my bank and money being returned. It always gets deducted when I have it available but it never gets returned to my account.. I'm at a loss now and feel like I'm being ripped off left and right when I work hard to earn what I make so I can support my family with food. This past week has been a nightmare and I haven't had any funds that I earned that I am able to access to support my kids husband or animal 's so I figured this was my last/ best alternative to get help and to be able to get everything that was taken from me back because the banks don't care it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
If there is EVER a class action lawsuit against Sychrony Bank, I will be first in line! Today I received notice that they closed an account of mine, which is now the FOURTH TIME, theyve done this which affects my credit score! This time it was my Care Credit card. The last three were XXXX XXXX, Sams Club and XXXX. They always put this in the letters : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Delinquent Or Derogatory Accounts The problem I have with this is that I DO NOT have delinquent or derogatory accounts, and NONE of this was a problem when I opened the cards! Our home is in my husbands name and the cards that they closed ALL HAD XXXX BALANCES when they closed them! Our bankruptcy was in XXXX  and every single card I opened was AFTER that so what has changed? I do not have negative payment history because I have been crazy vigilant about my payments and credit. Yet when they close these accounts, it does affect my debt to income ratio and the way credit scores are calculated, this is harmful. So even though I dont owe anything on these cards, its different if theyre closed vs just dormant! There has GOT to be something that can be done about the way they do business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: WELLS FARGO & COMPANY
State: FL
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:
on XXXX XXXX I checked my account with Wells Fargo and saw {$23000.00} taken without my consent and approval on XXXX money is rightfully and legally mine that I got from my XXXX insurance.I have proof of ownership of the money. I have XXXX income for the rest of my life and I have XXXX XXXX  to support plus I am XXXX and have serious health issues.I have my own expenses to take care. I saw that Wells Fargo and XXXX XXXX has done this to my account.They are after money I called the banks with no solution.They have no issue directly with me. 
I filed a police report, reported cfpb and informed Attorney General 's office. I asked XXXX XXXX XXXX  to return money back to my account. They said they have no issue with me.I feel I am treated unfairly unjustly. I want legal charges against the bank. I want the justice system to hear me and give me justice before they take my money away. I am XXXX and victim in this case. 
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 2023-06-07
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:
Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Equifax credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Equifax. 

In addition, I demand the following fraudulent inquiry be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiry be deleted from my credit report immediately. 

- XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Franklin Credit Management Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I need my    XX/XX/XXXX    statement to include with my application for  XXXX   XXXX .     I do not receive monthly statements from  Franklin Credit Management   XXXX   XXXX   XXXX ,   XXXX   XXXX      XXXX   XXXX , NJ  XXXX  I was advised statements were discontinued because I authorized automatic monthly debits for my payments.   I called the  Franklin Credit  on   XX/XX/XXXX  , to request a statement  for  XX/XX/XXXX . I was advised I could not get a statement because I 'm on automatic debit. On advice, I called again and was t hen advised Statements would be reinstated and  one  would be mailed o n  XXXX -17  for   XXXX    2017. N ot having receive d one by tod ay,  XX/XX/XXXX , I called the company and was advised a statement would not be mailed unti l  XX/XX/XXXX . I  told the representative what I had been told on  XX/XX/XXXX . He said the previous representative 's notes only mentioned he advised statements would start soon. I want/need this   XX/XX/XXXX  sta tement due to time constraints of my application for  XXXX   XXXX . The inconsistencies of information and delay in receipt of the statement  may  be negatively impacting my consideration by  XXXX   XXXX  for the program. I want a prompt response to my request to  Franklin Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PNC Bank Credit Card ending in XXXX indicate unauthorized activity Date Amount Merchant Name XX/XX/27 XXXX XXXX XXXX XXXX XXXX XX/XX/27 XXXXXXXX XXXX XXXX XXXX  I have not yet received my pnc credit card since the i apply for this account, i have request a replacement card already. and the new replacement card also have been taken by somebody and was able to attempt activities and make transactions on my card. 
i was not able to get myself protected and reset my account security purposes. and login in or reset my online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bridgecrest Acceptance Corporation
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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