BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a 1099-C form in the mail from Syncrony Bank . Upon talking to the agents from Syncrony Bank, I have realized that this amount on the 1099-C for {$800.00} is from a Walmart Credit Card that Syncrony use to hold and was sold to XXXX XXXX which now has it. I do recall the sale of this card and the transition went flawless from Syncrony Bank to XXXX XXXX. I also recall the balance transfer at the time of the switch over was the exact amount that was owed when it was with Syncrony. My complaint is that I will have to file this 1099-C as income this tax season and I will have to pay taxes on this with the US Government this year and since my balance was flawlessly transferred from Syncrony to XXXX XXXX XXXX if I was to pay my balance in full with XXXX XXXX ( I still have this Walmart Card active with XXXX XXXX ) I will be paying this total twice! It is not my fault or the fault of consumers that Syncrony settled all of their Walmart accounts with XXXX XXXX for a lump sum payment for XXXX XXXX to take over the Walmart cards and then try to fraud the consumers into paying the Charge offs so that Syncrony could not assume this debt. If you were to buy a house for {$70.00}, ooo and in turn sale said house for {$50.00}, ooo you DO NOT try to go back and get them to pay the other {$20.00}, ooo through a charge off through the tax system. That is FRAUD, and BASICALLY UNETHICAL BUSINESS PRACTICES. This company should not be able to regulate ANY credit Cards in the future and I do have an Amazon Card which is currently in good standing with Syncrony Bank as its provider currently and I am thinking of closing this card as well because of this situation. It is my belief that Syncrony Bank is doing this simply because most of American People are to busy to really dig into this and will just file the added Income on their 2022 tax return and just move along.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Closed all my account, Including Checking and all credit cards without giving me any reason. 
It really impact my daily life. It happened two weeks ago, XX/XX/XXXX. 
I look it up online and the possibility For Chase might closing your account, i have done none of those. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Information belongs to someone else

Complaint:
There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.

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 2022-11-02
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:
There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.

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 2023-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2021-10-14
Company: CCS Financial Services, 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:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MI
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 Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX  and account # XXXX Account name : XXXX XXXX  and Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} USDEPED XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX  XXXX {$3300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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 information incorrect

Complaint:
I am an authorized user of a XXXX XXXX Account with a credit limit balance of XXXX. The reporting date should be the XXXX of every month and it was reported the XXXX. The actual cardholder updated balance for the month of XXXX reported on the XXXX for {$26.00}. My report states the XXXX for {$130.00}. Reference # for the call XXXX. XXXX was the representative. I would like my information to be updated immediately so that my utilization can reflect correctly.

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 2023-10-19
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contact Experian on serval times for a contract with my name verify the amount owed they have yet sent me anything in regards to the amount owed or contract with my name. This account has continued to be on my credit report focer 13 years now without explanation. This is definitely against fair credit act. Im asking that this will be fix or addressed quickly and fairly. They are not address this issue just keep coming back with the same thing over and over.

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 2023-01-06
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is my current servicer and they are refusing to reimburse me for all payments that I made after XX/XX/XXXX. When I made payments in XXXX, during the pandemic pause, my servicer was XXXX XXXX. Those payments in XXXX closed some of my loan accounts because they paid off my the balances. Since that time, my loans were transferred to XXXX and in XXXX, they were transferred to Mohela, who is now my current servicer. XX/XX/XXXX, XXXX from the XXXX XXXX XXXX, told me that while Mohela is my current servicer, they are not responsible for repaying the closed balances that were paid off in XXXX. That information is incorrect. They have the records of all the payments I made in XXXX and as the current servicer of my loan, they are responsible for repaying all payments that I made after XX/XX/XXXX ( {$35000.00} ). Although they are legally responsible for reimbursing me for those payments, they are refusing to do so. Attached is a document from XXXX that shows all the payments I made, including payments made after XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: LEXISNEXIS
State: MD
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:
Company : LexusNexis They are reporting incorrect information regarding vehicle accidents that I was not involved in. I received a letter of experience from XXXX that shows that I am not at fault on any of these claims. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did not open this card and now Im stuck paying on it.. I see on XXXX XXXX my monthly fee is $ XXXX  month. I can not afford that. I will pay $ XXXX   month and hope this is not negative on my credit report. I will also be filing police report on the person who opened this in my name.. I did not open it. My ex did and she used my new wifes name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXX specialist from XXXX XXXX XXXX Bankruptcy Deparment named XXXX , told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX  had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.

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 2021-10-24
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
In early XX/XX/2021, I disputed FIVE DIFFERENT XXXX XXXX REPORTS ACCOUNTS, and XXXX XXXX REMOVED THE REPORTS a few days later ; however, Early Warning Services Answered ONLY ONE OF THE FIVE DISPUTES. Early Warning Services assures they sent the FIVE XXXX XXXX answers more than one month ago, but I have NOT received FOUR ANSWERS. Early Warning Services says This is BECAUSE THE POST OFFICE IS RETAINING THE LETTERS. Then, I requested an appointment to go to pick up the letters, and some hours later DENIED TO HAVE HAD AN APPOINTMENT FOR ME. Since ALL THIS PROCESS IS SUSPICIOUS, I request an appointment to pick up ALL my answers. I ALSO REQUEST EARLY WARNING SERVICES WRITE COMPLETE ACCOUNTS NUMBERS, AS WRITTEN IN MY REPORT, AND ACCURATE ABA NUMBERS, AS WELL. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt collection agency claims I owe them. On XX/XX/2020 a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. the Bureau of Medical Economics made no attempts to contact me or provide information. Not only did the Bureau of  Medical Economics fail to provide the information required by law, but they added an additional frivolous duplicate account to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2022-11-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
After spending an hour on the phone today, XX/XX/XXXX with three different Comenity Bank associates, I was rudely treated and was told that they could not do anything. 
I had called them to find out why they raised the interest rate on a closed credit card account. They said they have the right to do so. They can do whatever they want. Since the account is closed, they never notified me. But, on the billing statement ( I still have a balance that is being paid ), I noticed in the fine print on the statement that the interest rate was higher than ever before. I referred them to the Credit Card Act of 2009 that President Obama signed into law. It considers the closed account balance as a " Protected Balance '', one in which the prevailing interest rate at the time of the account closure will be in effect. This law was passed to protect consumers like myself. In dealing with this Credit card company : Comenity Bank, I found that they will not protect their customers and willing change their internal procedures to squeeze their customers for more money than they are allowed to demand from them. The Bank is unwilling to follow the laws of my state and the federal government and their customer service representatives are unaware of them. I had to make them aware of the laws because they were not even familiar with them. However, they stated no one at the Bank had the authority to change the interest rate back to the frozen rate. I am making a formal complaint and want some action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I tried to process a payment from my PayPal account for {$21.00} into my granddaughter account for cookie dough. A very unsuccessful, numerous attempts, never had access to a link or button to confirm or cancel payment. Therefore I tried to send a {$21.00} payment to my granddaughter using a different account. CC. Again, there was NOT A LINK OR BUTTON TO deny CONFIRM & /or process the payment. 

PayPal accessed both accounts and deducted {$21.00} from each account without consent!! On XX/XX/XXXX & XXXX hrs with XXXX supervisor, {$21.00} was refunded back into my CC accounts. Then PayPal sent {$20.00} into my account ( from an undisclosed business? ) then deducted an e check from My connected account to an undisclosed business???!??? 

Nevertheless, the {$21.00} e check is showing as a deduction XX/XX/XXXX. @ XXXX XX/XX/XXXX XXXX ( PayPal XXXX  ) stated payment was made to unknown sources. I asked for my account to be permanently deleted. Her response was we will send you a link to close my account. DOES THAT MEAN I CAN NOT PERMANENTLY DELETE MY ACCOUNT & all my information??? What why I have the right to have my information deleted from an unethical company PLEASE HELP!!!

Company response to consumer: Closed with explanation