BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX 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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.

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 2019-09-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Synchrony bank has ruined my social security number by closing 2 of  my accounts as " Deceased ''. I now can not get a bank account in my name due to being reported by this bank as dead. Im clearly alive, working, just got a new id card, im a legal us citizen who cant get an account opened for the past year because someone screwed up and registered me as dead.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX 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 2020-07-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have consistently tried to remove XXXX XXXX from my Paypal account. For 2 weeks now, it has literally told me " sorry we cant process this request. Try again later '' EVERY TIME. Paypal REFUSES TO ALLOW ME TO REMOVE MY XXXX XXXX ACCOUNT FROM MY ACCOUNT. 

Why does this bring me to file a complaint? Well because I have tried and tried again to remove it and Paypal wont let me so I added my XXXX XXXX XXXX  account to my Paypal account and set THAT as my preferred form of payment. I should've been straight even tho it refuses to remove the XXXX. I have manually set MY PREFERRED form of payment to be my XXXX XXXXXXXX XXXX  card. 

I ordered some XXXX  and used my Paypal ( that supposed to deduct the amount using my XXXX XXXX XXXX ), instead of it charging my XXXX XXXX account, it charged my XXXX XXXX account that I have purposely XXXX  out so that I can close it. 

I tried contacting Paypal numerous times and they force you to use their resolution center instead of being about to talk to a live person for an emergency such as this. I submitted the dispute and have yet to hear from them meanwhile XXXX XXXX is charging me late fees and I'm getting messages about hits to my XXXX CREDIT score. So not only is Paypal and XXXX messing up my money, they are interfering with my personal and business credit. All because they failed to honor MY setting. 

Now XXXX is saying that that negative balance is going to sit on my account, hurting my XXXX  credit score every day its there until Paypal decides to respond and fix this. 

I will be severing ties with them both after this because I see I can not trust using these financial institutions for business or personal finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX, and XXXX. Despite sending them the last letter, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/2004 Balance XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted Mattress firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( Synchrony Mattress Firm ) XXXX times after the charges were paid, and were assured that this would be reconciled. Once XXXX XXXX XXXX bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with Mattress Firm and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by Synchrony bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.

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 2023-08-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX  originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

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 2019-08-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2019I contact Walmart Synchrony Bank to see if my account qualified for a lower interest rate and was advised my account would be monitored periodically to see if it qualified for such reduction. I had not heard back anything from Walmart soXX/XX/2019 I decided to call again and check to see if my interest rate can be lowered due to the Federal Reserve lowering interest rates just recently and I was advised by a Rep that no it could not be lowered, I talked to Account Manager XXXX who reread the same script that I had been told in XX/XX/XXXX. This is making it extremely difficult to clear my debt with them and it's unfair to consumers when the Feds lower interest rates but Walmart Synchrony Bank will not follow the same protocol, I'm paying XXXX bucks a month in interest alone which is beyond ridiculous, please investigate

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom it may concern.

I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so.

Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission.

( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or 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  I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.

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 2023-08-23
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party.

( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure.

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Subject : Request to Waive Late Fees and Interest Charges Due to Payment System Glitch I am writing to bring to your attention a concerning issue I recently experienced with my American Express credit cards, specifically XXXX XXXXXXXX and XXXX XXXXXXXX. I believe that a payment system glitch on Amex 's end led to a delay in my first payment, resulting in late fees and interest charges that I consider unfair. 

On both cards, the first statement was due on XX/XX/2023. I made the payments on XX/XX/2023, which was two days late. This delay was primarily caused by the following issues : 1. Autopay Setup Glitch : On XX/XX/2023, I set up autopay for both of my accounts. I received a confirmation email indicating that the autopay had been successfully set up. However, when I checked my account on XX/XX/2023, I discovered that the autopay information was missing. As a result, I had to manually set up the payment and make the late payment on that day. 

2. Online Payment System Error : Before the due date, I repeatedly attempted to make online payments, but I encountered an error message stating, " Your account is not eligible for online payments. '' I initially assumed this was due to having autopay set up ; however, this error prevented me from making payments before the due date. 

It is crucial to note that I initiated the payment on XX/XX/2023, Pacific Standard Time ( PST ). Although it reflects as XX/XX/2023, on Amex 's end due to the Mountain Standard Time ( MST ) used, it is only a two-day delay from the original due date of XX/XX/2023. 

I believe that the late fees and interest charges incurred as a result of this situation are unfair, as I acted promptly upon discovering the issues. Therefore, I kindly request that American Express consider waiving the following charges on XXXX XXXX and XXXX XXXX : 1. Late fee of {$29.00}, charged on XX/XX/2023. 
2. Interest charges of {$60.00} on XXXX XXXX and {$22.00} on XXXX XXXX, charged on XX/XX/2023. 

I have attached relevant documentation and records for your reference, including confirmation emails, payment details, and any additional information that may be useful in resolving this matter. 

Thank you for your assistance in addressing this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I filed a complaint with the office of the CFPB in XX/XX/2021 and the case number is XXXX against Synchrony Bank XXXX Your office gave them the opportunity to contact me and try to work things out which is what I have been trying to do for the last few years with no avail. As soon as the CFPB reached out to Synchrony Bank, they reached out to me and had just enough information to send back to you to say " they have contacted me and they are working with me to get this matter resolved. Once you closed the case they have never called me back nor responded to any of my messages or phone calls. The person who I spoke to is XXXX XXXX and I have left numerous messages and and sent emails and she has chosen to ignore me. I am reaching out to your office again for help as I have a notice for a summons to court in person on XX/XX/XXXX. When I asked her about if she can place it on hold or cancel until a resolution is made, she said that she thought she had gotten the file back from the attorney/collection office but will confirm and let me know. I am still waiting to hear back. This is not the way for the head dept of Synchrony Bank to treat the consumer. They really do not care about people. This just makes it look worse that they are not trying to help or research to see what happened. I want you to please post this for the public to see so they can know that Synchrony Bank is a horrible company to do business with.

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