BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 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 purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My son, a XXXX needed immediate dental work. He was in a lot of pain. When I initially took him to the dentist, they intimated they had a payment plan. He has some dental insurance but not enough to cover the cost in its entirety. The dentist offered care credit and said it would cover the cost of the procedure and I wouldnt owe anything for a year. Once I used it to pay for him and I did owe, I made consistent payments but the balance never reduced because they charge security fees totaling {$100.00} a month. Once paid off, you are still paying the fees each month. You will never be debt free with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was never late on these accounts. Please remove the late payment remarks.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is not abiding by consumer law and is severely harming my reputation by leaving fraudulent accounts showing on my consumer report. Transunion at the address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. There are two fraudulent repossessed car loans and hard/regular inquiries that are reporting on my credit report and file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not transactions made by me as the consumer. The hard inquiry of XXXX XXXX XXXX XXXX is also not mine. I have filed an FTC identity theft report, handwrote a letter and certified mailed it to all CRA 's. 

TRANSUNION has not removed these accounts/hard inquiries within the allotted time period, and though I have made numerous calls to them there has been no remedy. I have been put on mute by supervisors, put on hold by supervisors who didn't return to the phone for an absurd amount of time, and have been told numerous times that they have a 30 day policy in removing items from my report ; however, 15 USC 1981c-2 STATES ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 consume.

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 2023-03-25
Company: PNC Bank N.A.
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I'm a PNC customer who is working internationally and sometimes I have to use an ATM. We have been reimbursed for ATM fees before but we recently did not get reimbursed for an ATM fee. 

On XX/XX/2023, I called PNC bank and was told they would only reimburse one ATM fee per month and they created an escalated ticket on my behalf to find out what the policy was. 

On XX/XX/2023, I received a call from a PNC case worker but they were unable to provide or send me any new documents/ policy regarding International ATM fees. 
After the conversation, I felt that the one per month International ATM fee reimbursement was something they made up off the top of their heads as I found an article on their website stating that PNC was reimbursing International ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00}.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Between XXXX XXXX and XXXX XXXX a dispute was made with Transunion regarding a XXXX XXXX account that was on my consumer report. I demanded that it be removed as it violated multiple sections of 15 U.S. Code 1681, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681e - Compliance procedures. As of XX/XX/2023 said referenced account has been removed. As a result of the negligence of TRANSUNION, in their duty to furnish a accurate consumer reports, me and my household have suffered embarrassment and emotional distress as well as damages totaling over {$1000.00}. Attached is proof of claim.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and XXXX, while Experian reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while Experian and XXXX did not disclose it. XXXX and XXXX also reported a balance of {$0.00}, while Experian did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to Experian and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, 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 2023-03-25
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and Equifax, while XXXX reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while XXXX and Equifax did not disclose it. XXXX and Equifax also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and Equifax. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit 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:
It started out a Dispute of XXXX  of Goods and Services! On ( 5 ) separate occasions Synchrony reopened my Dispute because the Synchrony employee understood the issues of Blemished Goods and the ( XXXX  ) Scabby Installation. 

XXXX XXXX has a PDF, " How to install Replacement windows ''. Please document this, as the manufacturer 's Instructions Clearly State, that the Gap around the window frame and the rough opening is only 1/4 '' at top, bottom and left and right sides! 

In which you can clearly see a scam in the process that was stopped the same day the installer was here to install these Blemished and a Broken window. 

Synchrony Bank Lowe 's Advantage card Dispute Team are NOT and DO NOT Favor Customers. Synchrony Accepts Fraudulent Documents in which the Date of " Certificate '' of Completion is the next day XXXX. 

There is NO Signature from me, XXXX XXXX, nor my wife XXXX XXXX. We had XXXX XXXX XXXX XXXX XXXX XXXX, TX, come out to give a ( bid ) Estimate. He was XXXX founded by what he saw of the partial install that XXXX XXXX XXXX had started! 

On XXXX, XXXX XXXX dba XXXX XXXX did come out to Remove Lowe 's Atrium Blemished windows and practically started to leave because of what ALL they were needing to do to get the windows into the Rough Opening ( Required ) to then Secure to 2 '' x 4 '' s.

Lowe 's Windows returned, a full refund was issued " AFTER '' I had XXXX Police to assist me in making sure no one else lies as to what I've said or done. In fact the woman policeman who assisted me was in agreement after showing her pictures that the partial installation was ( horrible ) unprofessional. 

I've been fighting this dispute from day ONE! 

I found out thru my messages Synchrony Lowes that they've Accepted Documents that Clearly Show different dates and documents without Signatures!! Then tell me to work it out with the store ( Lowe 's ) manager???? 

Synchrony is still refusing to adjust our Lowes Advantage Account Correctly. They also sent me XXXX XXXX XXXX who lives in Florida Denial of her dispute as well! 

Lowe 's 3rd Party XXXX XXXX XXXX XXXX XXXX did NOT want to deal with me, end of story! 

All the above is TRUE and CORRECT, 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 2023-03-25
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I placed an order with XXXX XXXX on XX/XX/2023. Every few days, they delayed the shipment of my items so I canceled the order on XX/XX/2023 because it was clear that they were selling items on their website that they did not have. Unfortunately, XXXX XXXX placed XXXX ( four ) payment authorizations on my Pay Pal account totaling {$140.00}. I have communicated back and forth with Pay Pal and XXXX XXXX and they each blame the other for this situation. I have {$140.00} of my money being held up because Pay Pal will not release these " temporary '' authorizations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For as Long as I have had this card, we have paid the payment into payments, one for the minimum and the other for the balance. They are paid within 24 hours of each other and for each month we have had no issues with interest charge in XXXX and XXXX the interest charge was charged to the account because the second payment for whatever reason on their side was delayed and we accrued close to {$300.00} of interest. I called Wells Fargo and they said that they could only reimburse {$50.00} of the interest because thats all their system would let them reimburse but they acknowledged that the problem. Was recent and that it shouldnt have occurred I would like to have the full interest for the XXXX and XXXX payment be reimbursed when I talk to Wells Fargo on the phone I escalated to it to their next level and they also said thats all they could do is chart is reimburse only {$50.00} of the amount. now knowing there is a lag in the second payment, I have taken care of it on my side but I would like for them to reimburse all the interest that was accrued in the XXXX and XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/XXXX, I accessed my online checking account ending in XXXX to see the bank statements for XXXX and XX/XX/XXXX. The other 10 months were there online and the website said there were only 10 statements for XXXX. I immediately called Truist Customer Service at XXXX ( XXXX ) XXXX at about XXXX and spoke with XXXX XXXX I explained my problem and she placed me on hold to check the for the statements. She returned and said that bank records are only available for 7 years. I told her that bank records are available for 10 years. She said she would research the issue and placed me on hold again with music playing. After 10 minutes, she did not return, so I hung up while the music was playing. 
No other response from XXXX. 
Please investigate.

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: EQUIFAX, INC.
State: TN
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:
On XX/XX/2023. My Upstart ( one of them ) was reported paid and closed. Equifax reported it and dropped my score. 
On XX/XX/2023 Equifax reported it as open again, showing that I still owed the XXXX dollars which was paid back in XXXX. I dsiputed it. 

On XX/XX/2023 Equifax again reported the SAME account paid and closed and dropped my score for a second time for the SAME account that Equifax placed on my report as opened after it was closed. 

This is unacceptable. I have had to dispute several things with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation