BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
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 status incorrect

Complaint:
I was displaced during Hurricane Ian and reached out to Discover for help as I lost my home, phone and computer so they shut off my automatic payments that I had in for 20 years straight and allowed me to skip two payments and when the next payment was due it was missed as the automatic payments were turned off ( by Discover ) and I was living in temporary housing so I did not get any mail to alert me that my payment was late and when I got back to into my home I was able to log into my account to see that another payment was missed which they never contacted me about and I immediately went back online to set up automatic payments and they refuse to remove the negative late payments off my account when I was living in a declared disaster area and didnt have normal access to manage my accounts and called them looking for help and now my credit score has dropped XXXX points by just being late on 2 payments but I was never late for over 20 years straight!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited, however, synchrony takes time to post to whoever dates they please, and probably for that reason the predatory late fees are on my account. 

I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX, a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees, but in the end, this is what they do to steal money, charge late fees to keep the account up and the customer never end up paying the whole account for that reason.

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 2023-10-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my account because my account was automatically withdrawn on from my bank account each month. I had requested on at least three occasions to change the automatic deduction date because the balance in my bank account would be less than the deduction amount - hard to reconcile when deductions are delayed on multiple automatic withdrawals. I would make payment on the balance in a day or two each time to correct. The main reason why they closed my account is when I requested XXXX benefits when my husband went on his XXXX XXXX tours in XXXX they would not honor the XXXX interest rate reduction to 6 %. I called requesting it and my husband called requesting multiply times. They refused to and closed the account instead. I had my credit card XXXX  XXXX XXXX since XXXX and my credit limit was {$29000.00} so I established a great rapport with them over the years. Subsequent to this, I paid off the account balance while being charged interest each month. The balance was paid off in full in 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 2022-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter asking XXXX XXXX and equifax to investigate my accounts according to 15 usc 1681i XXXX XXXX XXXX it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2019-10-10
Company: SYNCHRONY FINANCIAL
State: GA
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:
Have called Sychrony Bank several times regarding my account was issued a bank card in XX/XX/XXXX that I applied for was issued the card was not able to use the card because I was told I had to prove my identity 4 days after applying for the account it was reported on my XXXX   then XXXX  and XXXX credit report so I mailed out ID and prof of address by priority mail. I keep calling to ask have they received mail and I get no answer XXXX from the fraud department says the process can take up to 30 days to be resolved so my question is why report this to my credit report if I can not use the card or if you did not think I was the person that applied for cards. As big as this bank is i think there should be a safer way to identify a person which they sent a text message to my phone number on my credit report I also have locks and pay for credit monitoring on all 3 of my reports but that was good enough so they asked me to MAIL my identify to them which i think is unsafe and puts me at risk for identity theft. Who sent it ... 
XXXX XXXX ( Sender 's street address omitted intentionally from this email ) XXXX, GA XXXX Who will receive it ... 
SYNCHRONY BANK XXXX XXXX ( Recipient XXXX XXXX address omitted intentionally from this email ) XXXX, OH XXXX US Sat XX/XX/2019 XXXX XXXX Who is carrying it ... 
The XXXX XXXX # XXXX XXXX Carrier detail ... 
USPS Priority Mail Tracking details ... 
Tracking No. : XXXX Shipment ID : XXXX Order / Item # : -- Reference # : -- Ship date Wednesday, XX/XX/2019 Delivery date ... 
Sat XX/XX/2019 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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 went online for a free credit report with Transunion and their site kept giving me " bad URL errors and " could not complete request " errors. Then I called on the phone and completed a report order. I received a card in the mail stating that their records show I have already received my free annual credit report in the last 12 months. I have not requested one in over 2.5 years. I tried to call to find out about this since I believe my credit report was requested by someone other than me and they sent my credit to them. I could not get to any human to discuss this issue and the phone would hang up. I believe Transunion has serious security issues and the fact that our personal info is going to people overseas that work for them, doesn't help. My credit security is a HUGE issue, I have worked hard for good credit, I don ' need anyone messing with it and if they sent it out in the last 12 months, someone very well could be using it for their own personal benefit! But I can't get through to this company to get help and I am going to sit and wait for something to show up on my report and then have to go through a lot of work and everything else involved to fix it! THIS NEEDS FIXED IMMEDIATELY! Thank you

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 2023-02-21
Company: Experian Information Solutions Inc.
State: VA
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 accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15.U.S.C. 1681 Section 602 A states I have a 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.

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 2021-03-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company informed me, at the end of a 3 month forbearance, that my " application submitted '' was denied for additional relief. It informed me my only option was short sale or deed in lieu. I never applied for a second round of relief ( but was planning to at end of the initial plan. The letter falsely claims the " application I submitted '' was denied, but allows for me to appeal for a second independent review, even though I was never given the first chance to submit an application, to include hardship documentation. That right is now taken away, and only option is for an independent second review? Says we were denied as they were not able to qualify hardship, and that our property was not in a federally declared disaster zone? In the application process, there is an opportunity to submit hardship documentation, but since we did not yet apply ( they have since stated that this was due to an internal review, not any application..and also stated that it was not ever presented to us in any prior documentation that any such review would occur on our behalf automatically and without any representation or forewarning, I just received it in the mail with a less than 14 day window to resolve. I spoke today with employee XXXX, id # XXXX with Specialized Loan Servicing ) During the forbearance plan, we were able to make past due payments to get the account caught up, and now at the end of the forbearance we wanted to apply to have that new amount ( 3 months forbearance ) either stretched out over a period of time or at the end of the loan, but we are being denied that option. Between XXXX and XX/XX/11 we paid amounts equal to 10 monthly payments to fix our past debt, and now they are falsely claiming our application has been denied? We own a small business that has been forced closed for long periods of time over the past 11 months ... I am unsure what they need to prove hardship, bujt to only offer us short sale or deed in lieu within 14 days or face a foreclosure process in time of a national emergency?? They are crooks that should not be allowed to conduct financial business in our Country.

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 2021-03-15
Company: EQUIFAX, INC.
State: OH
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:
There is a hard inquiry on my credit report reported by equifax. I disputed this hard inquiry by writing a letter and sending it certified mail to equifax on XX/XX/2021. Its has been over 30 days and It has not been removed yet. 
According to fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-05
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A week or so ago I received a letter in the mail stating I owed XXXX XXXX  {$860.00}, from clear back in XXXX or XXXX. As I do recall having XXXX XXXX  as a provider, I do physically remember sending back my phone in a package after switching providers. I switched because I had terrible experiences with them, and this is just making it worse.

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 2018-10-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/2018 I noted in a recent comment of mine to the CFPB that queries about double and false billings are rarely answered by the Union Bank. I received a call from XXXX XXXX, an assistant in the president 's office, was very angry that I had sent a negative comment to the CFPB regarding accounting errors by the Union Bank. She said that in retaliation she was not crediting a {$330.00} payment to the Bank made in XXXX ; and it has been billed as owed interest, since then, instead of credit, for months. I am curious, of course, what happened to the money. I never received a check from the Bank for that amount, so we have to assume that she tucked it away in one of two unauthorized accounts manufactured by the Bank in my name, or treated XXXX, her office-mate, a recently expelled ( 10 year ) employee of infamous XXXX XXXX, for lunch, She apparently has impunity, and employees may be encouraged by management to supplement their salaries with a bit of buccaneering. 
Similarly, a query about a {$600.00} charge for appraisal that didn't occur, and was not authorized was ignored. Not the least, along with charges of false interest the imposition of a contract type that I rejected and emphasized didn't want, was misrepresented as a kind that I wanted, actually due to employee negligence : over XXXX forgetting to file the transfer. To cover up the error he induced us to sign the objectionable contract by misrepresenting an illegible copy. This Is now an added burden, with the Bank refusing to remediate the error. These aren't good people to deal with, especially if you are a senior. 
It was only after a large expenditure of time and numerous complaints that the Bank rolled back the accounting to last year and returned a substantial amount of money that was incorrectly accounted for. But the problems never stop. We continue to be harassed every month by telephone calls for payments that were already resolved. We believe that it is Bank policy to harass seniors until they tire and cease objecting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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 consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Synovus Bank
State: CA
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:
First Progress XXXX XXXX XXXX XXXX XXXX  TN XXXX. XX/XX/XXXX I applied for secured credit card in the amount of {$200.00}. Account approved and opened. I never used this card. No purchases were ever made. I lost my job due to Co-Vid XX/XX/XXXX. For an entire year First Progress remained with a balance of {$0.00} between XX/XX/XXXX thru XX/XX/XXXX. It wasn't until XX/XX/XXXX that the card was charged an annual fee of {$49.00}. Every bill after this was charged late fees and interest. First Progress ran my {$200.00} secured deposit all the way down to - {$4.00} and closed account. They kept my security deposit and made derogatory statements to the credit reporting bureau agencies. I can't see how I can lose my deposit on a card I never used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal user agreement and policy is to fine up to XXXX for consumers who may share misinformation. This is a credible problem as they do not dictate what a consumer can share otherwise faces penalties. Who would be correct in determining misinformation when misinformation is only a persons belief. Lastly, this companies policies goes against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

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 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