BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
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 amex  account number XXXX has violated my rights 15USC 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 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for a PNC Virtual Wallet with XXXX XXXX through a landing page on their website. There was a signup deal on-going, wherein if you deposited {$5000.00} via Direct Deposit, there would be a {$500.00} deposit made within 30-60 days. I opened the account on XX/XX/2020, and made a {$5000.00} direct deposit on XX/XX/2020. I called to check that my account was in good standing, confirmed it was and I would be receiving the bonus deposit. I then called again on XX/XX/2020 to check the status, and the rep now claims that my account is not in good standing, as there is a requirement for 10 debit transactions during the account bonus posting time. I have attached screenshots of the landing page I signed up for my account through, no where does it state debit transactions are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Citibank - 0 % interest promotional rate expired on XX/XX/XXXX. {$7900.00} promotional rate balance " moved to standard purchase '' interest rate on XX/XX/XXXX, with 16.99 % interest rate. Standard purchase balance was {$0.00} prior to XXXX. Payment of {$8300.00} made on XXXX should have been applied to " standard purchase '' balance of {$7900.00} after minimum payment amount due of {$220.00}, in accordance with Citibank 's own policies, which state : " Each month 's minimum payment due is applied in the following order : 1. Past due amounts ( if applicable ) 2. Current interest charges 3. Principle balances in Annual Percentage Rate ( APR ) order from lowest to highest. 

Please note that payment amounts greater than the minimum due are applied to balances with higher APRs before balances with lower rates. '' I contacted Citibank on XXXX via chat, then was transferred to a supervisor via telephone. After extreme resistance, they admitted that XXXX, the date of the payment, is indeed after XXXX, the date they moved the promotional balance to the highest interest rate in my account. They advised me that they would " make adjustments '' in accordance with their policies. 

I then received a letter from Citibank dated XX/XX/XXXX that they were " unable to apply your payment as requested, '' EVEN THOUGH THAT WAS A VIOLATION OF THEIR OWN POLICIES AND CONSUMER PROTECTION LAWS. 

As a result, I am now paying 16.99 % interest on a large balance, and they incorrectly paid off a 1.99 % promotional rate through XX/XX/XXXX on a balance of {$3700.00} on the XX/XX/XXXX statement, terminating that rate on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: SUNRISE CREDIT SERVICES, INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my account after nearly 20 yrs of being a customer for over charges and sales people making false promises and not honoring the sales deals made. I was sent prepaid envelopes to send back 2 phones which I did. After some time now, more than a year, they are saying they did not receive them. I have no use for the phones as i went with a different carrier nor would i want to keep anything from them and feels like retaliation after closing this account and dealing with the rude and threatening representative to do so. I should have a balance for service of approx XXXX not XXXX and will pay when my balance is properly reflected

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 2020-02-10
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Thursday, XX/XX/2020 Square , Inc stated that I have a negative balance on my account, but shows being positive. On XX/XX/2020 a purchase was made and cancelled within minutes ... needing a refund. The funds were never deposited within my account, they intercepted the transaction before it could be posted to my available balance. Square stated it was unable to process the refund because they took the money to satisfy the negative balance. Square never sent me a letter, email, called or posted to my account being negative or what are my options to take of the negative balance. I have taken screenshots showing where my account does not have a negative balance. I spoke to 5 different representatives yesterday with no resolution as to having that refund processed. I even offered if they refund the {$1300.00} I would set up a payment plan by paying {$300.00} of the {$1000.00}, I was told to call back the next day. I have been trying to call them but their system now states that " Customer Service is unavailable. I was also told by another agent that even if I make payment arrangements they will take whatever additional money comes through to satisfy the debt. What is the purpose of setting up a payment plan if they are still going to take money as it comes in? On XX/XX/2020 I received an end of year statement from Square and it did not report any losses only profits. 

I have also filed complaints with the Following : XXXX  case # ID XXXX Texas Attorney General Complaint No : XXXX Federal Trade Commission case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.

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 2018-05-11
Company: SYNCHRONY FINANCIAL
State: GA
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:
Had this account since XXXX and did not miss one payment ... ... I explained to the company Synchrony Bank in XXXX that I ran into financial difficulties this month and would try to make payment with I did but not enough funds were available in my account. 
I then told Synchrony I would double up next month XXXX which I did but funds again were not available on XX/XX/XXXX when they processed but were available on XX/XX/XXXX which they again processed and showed receiving my double payment. I then received letter from Synchrony which I will attach closing my account due to number of dishonored payments on my account. I called Synchrony and explained again but to no avail. I am more concerned with how this is going to affect my credit score more than anything else.

Please help!

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Bank was switched from Simple to BBVA, I was locked out of trying to open an account and have been unable to access my money for 2 days now. Have called BBVA multiple times, am either hung up on disconnected. My access to my entire checking account is gone - I can not access any of my money. 
BBVA did not attempt to email customers, only found out what was happening through searching on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Huntington bank checking account in XX/XX/2021 when they advertised {$150.00} opening bonus for direct depositing {$1000.00} or more to the account. I met this requirement with direct deposit of {$2000.00} on XX/XX/2021. However, I have not received the opening bonus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I made a cash deposit in the amount of {$2100.00} at a chase atm branch located at XXXX XXXX XXXX XXXX. The atm malfunctioned and gave me a receipt to check on the status of the deposit. I made a claim over the phone and along with the branch at above location. Within 3 days I was credited. Fast forward to XX/XX/XXXX Chase bank decides to reverse the credit and it takes {$2000.00} of my money from my account. I follow up on XX/XX/XXXX with a dispute of their investigation. They claimed the ATM didnt go over. I asked to see the cameras and they refused. I know what I deposited in the atm on XX/XX/2023. It was {$2100.00} cash all in {$100.00} bills. Please help me stop these crooks from taking my hard earned cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries were made and attached to my credit file without my consent. I filed multiple disputes over the past months stating that these inquiries were made without my consent and they are acts of fraud. They will not remove the fraudulent inquires. This is causing my family and I great hardship. These are the fraudulent inquiries : Equifax Mortgage XX/XX/22. XXXX XXXX XXXX XX/XX/22 XX/XX/22. XXXX XXXXXX/XX/22. XXXX XX/XX/22 XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: BARCLAYS BANK DELAWARE
State: MN
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:
It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. 
I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. 
The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. 
The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.

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