BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Visited a XXXX XXXX mattress store and was approved for a credit limit of {$8000.00} via Synchrony bank. After careful consideration, I decided against a XXXX XXXX product and visited a XXXX XXXX mattress to use my {$8000.00} synchrony credit only to be denied. I was encouraged to file an application for credit with Synchrony via XXXX XXXX only to have my credit denied! A week and a half after, I visit another mattress store Mattress Firm, again financed through Synchrony. I explained my dilemma and was asked to apply once more only to have my credit declined! It seems synchrony is applying consumer punishment for failing to purchase through their partner at XXXX XXXX. 
I am also yet to receive their reason for their continued denial. 

Is this not a violation of the Fair Credit Act? Please advise. 
A very disappointed Synchrony customer, 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 2018-05-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a long term customer with Navy Federal Credit Union. I am also ex military. This poses some issues because often military wives network hires and friends sometimes play with service-members accounts. my ACH drafts from my account keep being blocked internally from someone working at the bank intentionally so that my account will then owe funds to the bank for the payments not going through, so they can then INTENTIONALLY PULL FROM MY SAVINGS ACCOUNT FRAUDULENTLY. THIS HAS BEEN GOING ON FROM XX/XX/XXXX TO XX/XX/XXXX. MY BANK IS ANTICIPATING A DEPOSIT AND I TRYING TO STEAL OR PULL MONEY PREMATURELY FROM IN FRADULENTLY. I want my bank accounts to be serviced under fair practices that are non-discriminatory in nature. I have a checking and savings account with this bank. Corruption at the XXXX location is on a community level and should be monitored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: KY
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 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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-05-19
Company: EQUIFAX, INC.
State: MS
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 DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: PA
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:
Had {$2500.00} deposited into the account and then the next day the balance was {$1.00}. Someone had hacked into my account and charged items that I didn't approve or know about. 
The money was recovered and is in my account but Discover debit card company will not let me have the money for 90 days. This money was for a very important transaction that needed to be made. 
I have requested many times for a statement to be mailed to me as I can no longer login. I only know about the money is everyday I get a text message stating how much money is in the account. 
Discover makes you hold on the phone for up to 2 hours and then says that it is the wrong department and puts you on hold again. 
Please check on this as I REALLY need that money. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2023 I sent letter to credit Bureau Experian, XXXX XXXX, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX  refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter

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 2022-05-20
Company: U.S. BANCORP
State: WA
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 transferred a balance to my USBank card in XXXX or XXXX. I lost my job. I was unable to pay and I was experiencing some sever medical issues. USBank would not work with me at all regarding these issues. They forced my CC into charge-off status without attempting to negotiate with me. 

I have tried multiple times to talk to them. They hang up on me. They do not give me account details. They will not tell me why every single month they report this account as late. 

I believe in paying your debts but I was counseled by a lawyer not to pay UsBank any outstanding amount unless they would remove the account from the credit record. I found this to be somewhat fair, and USBank has refused any offer to negotiate. They need to be aware the statute of limitations to sue me has passed, and if they ever want my payment, they need to agree to a pay-for-removal. 

I do think I deserve the punitive actions this bank is actively taking to hurt me. I am trying to better my life and what is standing in my way is the abusive reporting and absolute brick wall attitude of UsBank. I was injured and had an income of {$0.00}, for years. It is clearly something personal they are doing.

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 2023-05-08
Company: JPMORGAN CHASE & CO.
State: VA
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:
First opened a case with Chase Travel on XX/XX/, to request a refund for a flight cancellation. I worked with an agent who promised he will look into cancelling the flight and refunding the account for the remaining amount. After many and long holds, he eventually said he will reach out to the airline first for the reimbursement. Then he said he will return the call once its resolved. 

I waited two days and called back on XX/XX/XXXX  since I have yet to hear back from Chase Travel or XXXX XXXX XXXX. The Chase Travel agent had me go through explaining the issue again and said that XXXX XXXX has not responded. When I called XXXX XXXX directly, the agent there said the issue has to be resolved with the credit card company. Chase Travel put me on hold again and said they will call back once the issue is resolved. 

I again, waited for Chase Travel to call me back with the confirmation with the refund. However they never did so I called to follow up on XX/XX/2023. The agent had me explain the problem again. He mentioned Chase will reach out to confirm when the refund is confirmed. However, I asked him to resolve the issue immediately or send a confirmation email that this is taking place. He refused to send me any confirmation. I insisted he escalate this issue. After a long hold, he responded there will be a refund issued to my account. 

After few weeks of not having and refund reflected on my account. I called back on XX/XX/. The representative had me explain the problem and it was back to square one. With empty promises of refunds reaching my account " soon '' or in " few business days '', I no longer have any confidence in Chase Travel support they will do right with the customer. The agent there continues to make empty promises without any evidence. I have yet to receive any refund for a cancellation request from weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Expirian is providing wrong information and this is affecting me seriously. I had contact the creditors and they assure that there is no negative information on may records. I need this to be removed from my record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The current company, XXXX XXXX XXXX, is the latest in a long line of " companies '' trying to collect a debt from XXXX XXXX. As we have told the last dozen or so " companies '' who have harassed us with phone calls over the last ten years, there is no XXXX XXXX at the phone number they are calling. Most of these " companies '', including XXXX XXXX XXXX, immediately try to collect our personal information. We refuse to divulge any personal information over the phone. XXXX XXXX spoke with a representative of XXXX XXXX XXXX, a XXXX XXXX concerning this debt. He repeated several times that there was no XXXX XXXX at this phone number. After trying to interrupt several times, and using unprofessional and threatening language, XXXX XXXX abruptly hung up. XXXX XXXX 's voice has been used in several " robocalls '' since then, threatening vague legal action against XXXX XXXX if he does not call their number. All of these companies have been wasting their time. They will definitely never get money out of us for someone else 's debt. Apparently, XXXX XXXX used our phone number as a contact number when the debt or loan was first acquired, over ten years ago. There are several other complaints on file with you concerning this situation.

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 2023-08-23
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:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education # XXXX 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 an account without my written instructions. 

15 U.S.C 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.

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 2023-05-08
Company: Advantage Credit, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a double inquiry on my credit report under the same company, Advantage Credit Inc. I authorized a one-time inquiry, and my credit report shows a double inquiry with different days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Despite the numerous attempts to reach out to Synchrony Bank/Ashley XXXX, they have failed to remove the inaccurate reporting of 8 late payments in XXXX/XXXX  on my now closed account. 

I was NEVER late on this account. The lates they reported were due to fraudulent charges I was not aware of at the time. 

I filed a report with the FTC and SYNCB investigated the disputed amount. It was resolved in my favor. They informed me via letter that all charges & fees would be credited and that they would update the major credit reporting agencies -- which they did not and it has been 2 years since the resolution of this dispute. 

Working with Synchrony has been a frustrating and difficult experience with their poor customer service and lack of follow-through. I will not obtain credit through them anymore. They do not look out for their customers. Very disappointing.

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 2023-08-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Atlanticus Services Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had issues with paying on the cards Cards are dealt by the same person same address out of XXXX Georgia they kept saying that the payments were not going through but they were going to on my side through my bank and through my debit card that I was using then they used the excuse that because the credit was over the limit by {$1.00} or more they decided to close my account they keep charging monthly payments to my account In the amount of over {$50.00} a month I contacted them on more than one occasion to get this corrected and they never did anything that kept saying that it was never going through and the day before I was actually gon na make a payment to both of them they decided to close them on their own their own I had to find out through my credit report on XXXX XXXX  so my advice to anybody do not yet Forteva Or aspire credit cards. They will say that they will work with you but then they won't they'll just close your card and keep charging you in 2 months 3 months that it's been close on one card they have charged up over {$400.00} the other 1 is almost 600 II refuse to pay them because because the fact that I tried paying them when they were open And they kept denying the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Dealer Funding, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this car was sold to me by XXXX XXXX XXXX, on the contract he put a bow, no accidents, this company from, XXXX the day before XXXX XXXX called me and informed, me to beg, for this money, or take out a loan, she told me, that I would be jailed, that told me that as a veteran, buying a car such as XXXX showed, I had no XXXX, the young lady told me they would garnish my XXXX XXXXXXXX check, and I wouldn't be able to live anywhere but on the sidewalk, I ceased all contact with them in XX/XX/XXXX, I contacted the XXXX, and the ratings there were horrifying as were the threats this company has made to over 35 consumers,

Company response to consumer: Untimely response
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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 the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX FIN / XXXX / {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX )/ XXXX / {$600.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation