BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a set on sofas with interest for XXXX months. So before we start paying interest we payed the whole amount to synchrony Bank and they assured that my account was on XXXX with no any interest or fees. This happened XXXX months ago. In the meantime i was getting calls from them and emails for payments of the same account I already payed. I called the bank XXXX times, I talked to the managers and supervisors and they said that it was fixed but still I owe money. Also, the XXXX time I called, they said that they created a dispute to this case and will be fixed but the first week of XXXX, I called yesterday XX/XX/2023 and now they said that it will take longer than a month. But it is affecting my credit record, that are calling me for paying.

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 2023-03-24
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 wish to complain about the fraudulent withdrawal of money from my account. This is the first time in the two years that I have owned this account where money was transferred out without my authorization. This is a card that was issued to my by the California XXXX service. 
A total amount of XXXX was stolen from my account in two transactions that were not executed by me. Looks like on XX/XX/2022 the thief tried to transfer out {$3000.00} but the transfer was reversed on XX/XX/2022. However on XX/XX/2022 a transaction for {$3000.00} with reference number XXXX and on XX/XX/2022 for {$2100.00} with reference number XXXX, were successful in taking my money. I did not make these transactions. 
I filed for a bank dispute previously when I noticed that money was missing from my account. I had a very hard time trying to file a complaint through the customer service line, I needed help from someone that spoke XXXX ( I am able to read and write in XXXX, however Im not comfortable speaking it ), the agents would just put me on hold, and/or transfer me continuously and/or even hang up on me. When I was finally able to submit the claim # XXXX, a few days later I received a response to this claim notifying me that the charges are legit, therefore my claim was being closed. This is OUTRAGEOUS. Both transactions are unauthorized. I did not transfer money out of this account, the only funds I ever withdrew from this account have been at the ATM in cash.

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 2023-03-24
Company: EQUIFAX, INC.
State: KS
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 Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX  XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Information belongs to someone else

Complaint:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus Transunion, XXXX  and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.

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 2023-02-02
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On Tuesday, XX/XX/2022 my company vehicle was stolen from the parking lot where I regularly park my business vehicles. Soon after this incident, I was informed that full coverage was not placed on the vehicle. I have always had full coverage on all of my financed vehicles. XXXX XXXX did not contact my insurance company at any time to inform them that full coverage was not on my vehicle even though I had requested it. Lenders require all clients to maintain full coverage auto insurance to protect their investment and XXXX neglected to confirm that insurance company complied with this requirement. I also contacted my insurance company and was told that XXXX hadn't contacted them regarding the lack of coverage on the financed vehicle. 

I repeatedly contacted XXXX XXXX to come to some sort of agreement regarding the stolen vehicle and no one was willing to assist me. Several of their representatives had very ill-mannered responses to me when I called about the situation. It took weeks for someone to send me my paperwork that was requested regarding the vehicle that was stolen. 

XXXX XXXX is requesting that I pay the vehicle in full when they neglected to insure the vehicle was protected with full coverage insurance.

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 2022-05-17
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  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 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one refuses to allow me to charge over the {$10000.00} credit limit they have given my small business, even when I have paid credit balances in advance for known future purchases. Never has any balance amount sat on my account for more than 1 month. I constantly use and replenish the amount, so that I do not suffer the indignity of a declined card, despite having the money on the card - prepaid. 

capital one sent me a {$4300.00} check in late XXXX. I shredded the check. I instructed them to put the money back on my card balance, because I had thousands of dollars of charges forthcoming. Also because they had reduced my balance by nearly {$4000.00} dollars because of charges, after they had made the refund. 

I spoke with XXXX who said she would see if I had to cash the check. Capital one can not force me to cash a check. I had shredded the check and unless I cash the check the money remains on my account. XXXX placed me on hold and after several minutes, disconnected the call without coming back. 

Capital One can not force me into arrears, etc by sending back a check that paid for charges before hand. I am not going to cash a check only to send the funds back to them. 

I called back and spoke with XXXX. XXXX said I had to cash the check and then resend the funds. This is not acceptable. The call was recorded and can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SUNRISE CREDIT SERVICES, 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:
XXXX XXXX, XXXX and XXXX have stolen information and is reporting it. 

As per 15 USC 1681 law, above companies are performing defamation of my character by stealing information and reporting incorrect info. This has caused a tremendous hardship to purchase my home and achieve my American  Dream thus it cause mental break down to me and my family. I have worked so hard to work, save and purchase a property to see these companies enrich with my information and misuse, and miss handling them. 

Please update my report immediately and remove incorrect XXXX XXXX and Sunrise Credit services on behalf of 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 2022-05-17
Company: Experian Information Solutions Inc.
State: VA
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 received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-05-17
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the account is Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # 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 instruction

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hello, I recently seen some unverified accounts on my credit. I reached out to the company also reach out to the three credit bureaus, I havent recieved a proof of my debt and it took almost two months for a response! They said something was verified but couldnt tell me who verified it or didnt give me proof

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 2019-07-05
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
In XXXX I received notification from my credit monitoring service that there was a potentially negative post to my credit report. I immediately reviewed this alert and found it was a past due payment of {$11.00} from Wells Fargo. I was surprised by this as I had not used this particular credit card in more than two years. I called Wells Fargo and they told me there had been a random one-time charge to my account and it had not been paid in 30 days so they notified the credit bureaus. I asked them why they didn't contact me and they said they sent me notification, they emailed me and they called me. I received no communication from Wells Fargo. I asked the woman if they left a message when they called and her response was that they were not obligated to do so. The first thing I did was pay the {$11.00} and received a confirmation. The next day I receive another alert that Wells Fargo had sent this to collections -- after I paid the past due amount. I contacted the credit bureaus to see if they could help and they informed me that I would have to take this up with Wells Fargo. I called back and got my issue escalated to the Executive Offices of " Collections '' who said they would look into it and call me back within a week, which they did not do. I followed up again on XX/XX/XXXX and they told me that my case had not yet been assigned to anyone and they would try to expedite it and I should hear back no later than XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office and the gentleman told me that they had reviewed my complaint and that there's nothing they could do. His comment to me was that they are only a bank and can't influence the credit bureau because they didn't do anything wrong. I asked to speak to a supervisor and he told me that there was no one any higher up. I told him I was going to contact the Consumer Financial Protection Bureau and he said he'd make note of that before he closed my case. I have been a client of Wells Fargo for many years and it's highly disturbing that this is how they treat their loyal customers. It's no wonder they are losing customers and they can't find a new CEO. No one wants to deal with them. I have closed all my accounts. The sad part of all of this is that pre this issue, my credit score was XXXX. This little {$11.00} incident, dropped my credit score to XXXX. Thank you very much Wells Fargo. What goes around comes around.

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 2023-11-29
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

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 2023-06-10
Company: DISCOVER BANK
State: WA
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:
Hi! I used my Discover card to purchase a XXXX XXXX chair from XXXX. Because the shipping of the chair was delayed, I asked that the company not send the chair and refund my money. XXXX agreed to do this via email. After several months, I did not receive a refund and also never received a chair. I continued to contact XXXX  and although responsive they continued to say that they had attempted to refund my purchase. After many months I asked them one more time to refund my purchase or I would file a dispute with my credit card company. They did not refund my money. I contacted Discover to dispute the charge and they reversed the charge. However, because the XXXX via email said that they " attempted '' to refund my Discover card ( they never confirmed a refund ), Discover said that because they attempted to do this the onus was on me to prove that they hadn't done so despite the fact that they did not see the refund on my Discover account. I contacted Discover several times but they closed the dispute. The ultimate situation ends with me paying for a XXXX XXXX chair from XXXX  via Discover card and not ever receiving the item or receiving a refund. The total amount is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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 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 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 2021-05-17
Company: EQUIFAX, INC.
State: GA
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:
A inaccurate 30 days past due with a XXXX dollar balance has been posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 several fraudulent accounts on my credit report that have been removed and were illegally placed back on

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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