BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I previously filed a complaint with you and the XXXX  with regards to TJX/Synchrony about a promo they offered. The geniuses on the phone and chat were no help. Synchrony responded that I would receive the offered {$5.00} rewards on XX/XX/2023. The rewards-per the offer was {$10.00}. I reached out to XXXX  and advised them that as expected, Synchrony would not follow through with the promotion. The rewards are NOT here as promised per the attached. The CFPB seems to allow financial institutions to misrepresent the status or promotions which in essence is FRAUD. My {$10.00} reward is due TODAY. My terms and conditions going forward are a {$25.00} a day LATE FEE.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
First off I am a real person not a 3rd party person or company but I'm and a 2nd year XXXX XXXX  who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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 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 2023-04-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a previous complaint number XXXX, XX/XX/20. I received a letter from Tran Union on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the Trans Union report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at Trans Union should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off Trans Union website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get TransUnion to Correct my report, Can I sue them? 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership to purchase a vehicle, and the dealership informed me they will run my credit. I only approved one inquiry, but they ran multiple inquiries on my credit report without my authorization.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
I filed a dispute with my credit card issuer ( Chase Bank ) regarding an overseas transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provided extensive documentation to support my dispute ( attached ). None of the information I provided was ever acknowledged by Chase. In fact, I was specifically informed in one conversation with a customer service representative that my documents would not have been reviewed before the initial dispute response memo from Chase ( in which I was informed that the merchant said the charge was valid ). I requested to reopen the dispute, provided more documentation and repeated my request to Chase to acknowledge review of my documentation. However, I was again informed by memo today ( XXXX XXXX ) that Chase determined my charges to be valid with no explanation provided in response to my specific documentation. 

My documentation is provided with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX posed as the attorney of XXXX XXXXXXXX XXXX XXXX XXXX MACYS who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).

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 2021-03-05
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In middle XXXX, Citibank contacted me about the suspicious card transaction with XXXX and I told them that was not a purchase I made. After that, I found more fraud transactions below when I logged on to my account on their website. 

Date Description Amount XX/XX/XXXX XXXX XXXX XXXX CA {$510.00} XX/XX/XXXX XXXX XXXX XXXX CA {$870.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX/BILL XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX KS {$340.00} I contacted their customer support and told them that those were also fraud transactions and I had never made them. On XX/XX/XXXX, they sent me a letter mentioning they determined those transactions were mine and would remain on my account. 

I sent my letter to their security manager on XX/XX/XXXX & XX/XX/XXXX and explained those were not my transactions but were fraud transactions. I originally tried to fax those letters to the number ( XXXX ) I got from their customer support but the number did not accept any faxes even though I tried many times from different fax machines and online fax transmission service. I called their customer support again and got a different fax number ( XXXX ) and was able to send my letters finally. I also mailed them by USPS. 

As of XXXX, I have not heard anything from them. I am disappointed and frustrated very much because of their wrong judgment and poor customer service. 

My point is ... 
- I have never made those purchases/transfers and am not aware of anything. 

- Though Citibank says those transactions were made in XXXX XXXX  on my XXXX, I have never used XXXX XXXX  for any purchase in my life. I just registered my credit cards just in case I may XXXX XXXX  in the future. 

- 5 transactions show XXXX. When I contacted XXXX, they told me people can not send money from XXXX XXXX  to XXXX. 

- After I received a replacement credit card, I removed the card with fraud transactions from XXXX XXXX. XXXX told me there was no way to tell the card on my phone was used, but Citibank ' explained in their letter that those transactions were made by the card in my XXXX XXXX  on my XXXX. They are obviously wrong as there is no history. 

- I have not bought any products nor services from XXXX for a very long time. I don't even have an account with XXXX. 

- On their XXXX statement, 4 of XXXX fraud transactions appear under " Cash Advances '' with the advances transaction fee of {$160.00} but Citibank issued a refund for the fee ( {$XXXX} ) on XX/XX/XXXX. This must mean they recognized those transactions were not mine. 

I have not heard anything from them yet. 
Please help me fix this serious problem.

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 2022-05-13
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2021-10-15
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my FHA mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. 

I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX  XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX  XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). 

I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX  XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. 

If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}

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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I ordered a merchandise from XXXX XXXX XXXX XXXX  using a Chase debit card in the amount of {$1700.00}. The merchandise did not arrive to me. I filled a claim with Chase bank but they denied my claim saying I signed for the package even after I gave them my signature to compare it with the one from carrier tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from Chase with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to XXXX and other credit reporting companies. Chase ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had filed a fraud claim on my Debit card because I didnt make the charges, I was in the hospital d uring the time of the charges due to COVID-19. I filed a claim with the bank and contacted the merchant to advise them of the fraudulent charges and filed a police report. The bank gave me a temporary credit and the merchant refunded some of the charges then the bank denied my claim and took the temp credit and also removed the overdraft amount from one of my other accounts marking my mortgage check return. I have filed an appeal but still havent heard from my bank. I am now late on my mortgage payment due to this and all because the bank says that there wasnt an urgency to to file a claim because of a charge dating back XX/XX/2022 from the same merchant that I didnt notice of {$.00}, which by the way the bank included in my claim not me.

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