BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX uses XXXX XXXX XXXX now owned by Synchrony Bank ) to help its customers finance hearing aids. If you pay a minimum payment, there should be no interest. However, Synchrony communications are extremely misleading. Instead of providing the amount due that would have the customer avoid interest, it instead provides a lower amount due and never explains this or provides the interest avoidance amount unless you call and ask. I am a XXXX ( inactive ) so I knew something was wrong when I multiplied the amount times the 18 months. I asked to speak to a supervisor to complain about their business practices, but I was told they were all in a meeting. I know from other experiences, including the Amazon Charge card, that Synchrony is very misleading compared to other banks. Someone needs to review their business practices, or at least warn prospective customers.

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 2023-05-26
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/21, I purchased XXXX on Coinbase XXXX. When I attempted to withdraw my investment the following day I was unable to because they restricted my account. 

I discovered that Coinbase and Coinbase XXXX  posted, on XXXX, that they were experiencing technical issues with XXXX and XXXX  and were working to resolve the issue. 

On XX/XX/21, I called Coinbase and was told they are investigating the matter and was given no further information. 

To date, my account remains restricted and I am unable to manage my XXXX portfolio. Many other customers are experiencing similar issues based on the XXXX feeds. 

Please investigate their bad practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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: Account status incorrect

Complaint:
I paid XXXX XXXX in full on my Home Equity line. I tried to do a settlement option with XXXX XXXX in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to Experian that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to Experian and other credit agencies that the account is still open and that I am late for payments. I disputed this with Experian and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.

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 2019-10-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX I ran my credit report through Experian..it was missing my primary mortgage information of 16 years..over 4 months I called Experian 7 times ... my mortgage company 6 times ... the mortgage company kept transmitting the credit reports and even tried to reinsert the loan information ... Experian said that it manually removed the information some years ago due to my chapter XXXX bankruptcy in XX/XX/XXXX ... although the mortgage was never part of the bankruptcy and did not require a reaffirmation of debt ... XXXX and XXXX both still receive the information XXXX Experian said that nothing can be done about the issue even though it was their mistake ... this is costing me the essential credit numbers to refinance my home and has cost me additional money in the loan of a car bought recently due to a lower credit score

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
As of XX/XX/XXXX, I had a TransUnion credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX  XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX  XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX  XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted TransUnion and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XXXX XXXX and XXXX XXXX, TransUnion removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My regular loan payment was {$410.00} monthly since XX/XX/XXXX when I took out the loan. 
My monthly payment was reduced this year to {$370.00} after I told Upstart I was going through hardship, and an additional 10 months was added to the life of my loan. 

The confusion started after I made an extra payment of {$200.00} on XX/XX/XXXX, which was allotted to the XXXX payment, making XX/XX/XXXX balance {$170.00}. 

I paid {$170.00} on XX/XX/XXXX and made an additional payment of {$50.00} later that day, which added up to {$290.00}. The interest on XX/XX/XXXX was {$97.00}. 

The screenshot I took on XX/XX/XXXX before the payment was made said my balance was {$10000.00}. I expect after the interest of {$97.00} is deducted from the {$290.00} payment, the difference of {$130.00} should make my principal balance {$10000.00}. 

When my account was updated, my balance was {$10000.00} instead of {$10000.00}. Only {$50.00} was deducted from my payment and not {$130.00}. 

The next day {$12.00} interest was added to the balance of {$10000.00}, making it {$10000.00}. 

Getting an explanation has been time-consuming. I have been emailing and calling about the calculations but to be put on hold, get disconnected, or being told the calculation is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on vacation in XXXX and lost my debit card. Someone subsequently took the card and spent {$6500.00} in less than 15hrs. I reported it and disputed the illegitimate transactions the following morning. They reversed the charges pending investigation. Then a week later they decided that the illegitimate transactions were authorized and reversed this decision and removed {$6500.00} from my account. I have appealed and escalated with supervisors at least six times. At certain points they were making up transactions. The last denial was based on a legitimate charge that I did not dispute which I stated was legitimate from the first day. The last conversation I had I submitted documentation for the legitimacy of the charge I was not disputing and they continue to deny the claim. I have been assured with each conversation with supervisors that this would be resolved. I can produce eyewitness accounts proving there's no way I could have made these transactions and was in a hotel in XXXX while these illegitimate transactions were taking place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify TransUnion or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NH
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/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 2023-11-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened An account with Citibank XX/XX/2022 my initial deposit was {$600.00} for some reason Citibank decided to close my account Shortly after In XXXX stating they had the right to close accounts at their leisure which was fine with me. I was then alerted via email that I will receive my funds that were in the Account in 60 to 90 days, it is now XXXX and has been XXXX months and I still havent received my check in the mail. I reported Citibank to the XXXX XXXX XXXX  afterwards, I actually received a call back from a representative stating that she apologized for my inconvenience and assures me a check will be to me soon. Nothing ever arrived and Since then, Ive reached out to Citibank on several occasions, their customer service reps only transfer me and transfer me and eventually when no one can tell me where my money and they refuse to escalate the call enough times I get hung up on. I dont know what to do at this point but I dont have money to just give away. I opened this account to build my credit and financial stability unknowingly putting my self in this compromising position which Inevitably put me in even more debt. I just want my money back

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 2023-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have contacted Citizens bank 3 times between the dates of XX/XX/XXXX and XX/XX/XXXX because I can not access my account via web or their app. Every time I have followed every instruction to reset my credentials and every step the customer care rep gave me and every time THEY have ended up stumped and have had no answer or solution. They keep telling me to try again in a few days. I have tried every way to reset my account online AND with a representative and I still can not access my account unless I go to a branch or ATM. I have MANY hours tied up in this now including long, ultimately pointless phone calls. The last time I called ( Friday XX/XX/XXXX ) I was told someone would contact me within two business days with a resolution. Two business days have come and gone and no phone call. Im DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX has completely denied me access to both my Credit Profile report and Scores in my attempts to dispute erroneous information being systematically placed on my credit profile that's been impeding on my abilities to gain any measurable employment and credit. Their willful actions is halting my ability to gain any meaningful credit and job to provide for myself and family. 

All hard inquiries on my XXXX credit profile as of the last month I had access do not belong to me, The only name that should reflect on it is my Full Legal Name : XXXX XXXX XXXX. The only address that it should entail is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and my only personal phone number is : XXXX 

XXXX XXXX XXXX with an account for {$1200.00} and XXXX XXXX XXXX with an account for {$580.00} are not mine and they must be deleted/removed off my credit report with deliberate speed. 



XXXX must follow aforementioned information provided and grant me access to my credit report with deliberate speed.

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 2021-11-22
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX back when I first got with my husband, we have been together 8 years now! I broke my phone about a month after he moved in! Those reports are false! And thats a crime! I have gotten married and have XXXX children, I have not had XXXX since I lived at XXXX XXXX  when I was XXXX, Im about to be XXXX! This is False and needs to come off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I was a newbie investor and lost over XXXX with robinhood. You guys closed my account without any reason. I know my bank declined some deposits and I have fixed that issue and have been studying stocks over the past year so I dont make the same mistakes over and over again. 

Thank you!

Company response to consumer: Closed with explanation