BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal and PayPal Credit are trying their best to cheat customers. If you have accounts that are a promotional purchase and have a period of time to pay before interest is charged and you make a payment they will only apply your payment to the most recent purchase and not apply any payment to the oldest balance in hopes of you not being able to pay off the promotional balance before interest will be charged. Say you have a promotional balance of {$500.00} and you have 24 months to pay off the balance and a minimum payment of {$30.00} is due each month and you have a balance on a purchase of {$200.00} that is to be paid off in 6 months to have no interest charged. You make a payment of {$200.00}, enough to cover the {$30.00} on your 24 month account + {$170.00} to pay on your 6 month no interest account. Syncrony Bank who handles PayPal Credit accounts will apply the entire {$200.00} to the 24 month account and XXXX  to the 6 month account in hopes of you not being able to pay the 6 month account and end up having to pay a large amount of interest.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report.

6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 have been a customer here Am ex 30 years. In the past with other banks when we have gotten sick from food at restaurants disputed the item when the merchant does not resolve it-here i did the same thing, and got a ridiculous response. To talk to merchant which i called with no response. Both daughter and i got violently ill after XXXX XXXX meal. i do not need to have explained to me what a tort is i am in law school anyway i will now be unaable to use any of my 3 accounts i have had for years. all over XXXX dollars. this was not handled properly The restaurent was not contacted by you either i did with no response I want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the XXXX XXXX of XXXX. 

XXXX is a financial entity acting as an extension of a government entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-08-09
Company: A-L FINANCIAL CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A-L financial corp auto account was closed and paid in full with all the interest on 2020. They had submitted information to XXXX that i had delayed payment for 2 months past 30 days resulting the account status to reflect as potentially negative on XXXX. Keep in mind the account is paid in full and closed. The payment was asked to make at their physical location as still show on their website at XXXX XXXX in XXXX XXXX ca. That office location was closed one day without any prior notification to me and they moved to somewhere far from where i resided back then. when called to make the payment they prefer only cash or XXXX XXXX transfers making is really hard for anyone to make those payments when they did not answer calls and move the physical location to elsewhere without prior notice to loanees. I am in the process of buying a house and i do not want this company after taking all the money and more interest while i was harrased at work and at home almost resulting in XXXX XXXX is now reporting unfavorable statement to XXXX. I had disputed it but the results came back as it satisfys FCRA regulations. I would like to see what proof they have to support FCRA regulations. As per 15 U.S.C. 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604A section2 also states a consumer reporting agency can not furnish account without my written instructions. If no action taken i will reach out to legal counsel and contact AG office against AL financial Corp for malpractices while conducting a business and harassing consumers to the point of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and rectify them immediately 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

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: GOLDMAN SACHS BANK USA
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am being required to remove an Apple Card from my existing ID, this because this ID is handled/managed by my employer. Apple/Goldmans Sachs refuse to transfer my Card to my personal Id and are forcing me to close the existing account, pay it off and open a new account if I were to choose to continue using the card. As you can imagine this would have a substantial financial impact and would also negatively impact my score thru no fault of mine. This all in lieu of the card being tied to my SSN and reported as such to the Bureaus ; Apple and Goldmans state that the card needs to be associated to one Id and can not be transferred to another one even it is is mine. I consider this to be an illegal action by Apple and I should be allowed to transfer the Card without any problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Equifax. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID. This company had blatantly ignored every dispute request that has been sent to them.

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf.

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Bessine Walterbach, LLP
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency failed to notify me of the debt and allow me to settle the debt prior to filing 2 separate lawsuits for the alleged debts less than {$600.00} they received the accounts on the same day from the same debtor that are hospital emergency room bills. 
Then claim they could not contact me in their filings but other attorneys that surf cases were able to contact me in fact multiple attorneys contacted me to represent me at lease 20. With that being said I contacted Bassine Walterbach via email and certified mail and gave them my PO box so there would be no excuse for them to not contact me though my address is active. They never responded via email. However they did respond to correspondence for verification of the debt with the original creditor of which I don't believe they did but they submitted a slew of debts in their initial response however at this time I had not been served officially They gave me 30 days to respond to the alleged debt and to submit an offer however I didn't because some of the debts had been paid and some could not be verified via the name address and phone number they provided per their verification. I had attended 2 court hearings without being served and they were aware of my presence and I had submitted a request for a continuance prior to the first hearing on the first case requesting the cases be combined and have the same court date and stated the reasons why. After the first two court dates the court did schedule the cases to be heard on the same day however did not combine the cases even though in the record all the alleged debts were received the same day from the same creditor of less than {$600.00}. on one case the alleged debts dated back to the years XXXX and XXXX and were unverifiable via their source they provided to me. The other case the alleged debts dated back to XXXX or XXXX of which when they addressed me before serving me the debts owed were totally different that after they served me and it included a debt from XX/XX/XXXX that had been paid. Furthermore they were adding interest on non interest bearing accounts and it is my belief that the filing of two separate cases is to inflate the amount they could recover in a judgement because it was unnecessary to file two separate cases on such a small amount. I feel they were trying to exploit my poverty because I am poor because my bill they said they verified show payment through XXXX and only people who are retired or on XXXX get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2021-07-20
Company: Credit Karma, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/14 my card was locked by credit karma due to suspicious activity I confirmed my identity and was told my card was free to use but it wasnt useable they then asked for my Id and a bank statement which I gave them the same day and they still have my account frozen Ive called every day at least 5 times a day only for them to tell me there department is not capable of handling the issue and to look out for an email. There is XXXX locked on the card. I even asked if they could close the account and mail me money to which they told me Id receive an email to close the account and I still have not receive that email or any email for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-07-20
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: Their investigation did not fix an error on your report

Complaint:
I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, Transunion and XXXX. I have been given the run around as to who verified or added this information to my profile with XXXX. Transunion and XXXX  have not even responded to any of my dispute letters. XXXX  has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-02-25
Company: EQUIFAX, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

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