BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a Lowes promotional consumer credit card that had a 0 % interest for 6 months to purchase some windows for my home. I should have known better. It turns out, Lowes contracts with Synchrony Financial to provide the credit services. While I only had {$23.00} to payoff of the remaining balance, Synchrony decided to reduce my credit limit by {$400.00}, because I missed the last payment by 6 days, in addition, they charged me {$29.00} for the lay payment. I am ok with paying the {$29.00}, but dropping my credit line by {$400.00} is an insult and outrage and has a considerable negative impact on my credit rating. I contacted them several times and was told they cant do anything to reverse the decision to reduce my credit limit. My wife also had a CareCredit card for medical expenses, which was provided by Synchrony Bank. She had a zero balance on her account, however, without any notice, Synchrony closed her account. I have reviewed many of the recent complaints filed against Synchrony on the XXXX XXXX XXXX web site, and it seems Synchrony is systematically closing accounts or reducing credit limits of customers that have zero or low balances, or no interest payoffs. They claim the accounts are being closed because of low credit scores, but this is false. It doesnt take a rocket scientist to understand what they are doing. These accounts cost Synchrony money to keep open. Simply put, the bank does not make enough profit on the interest and the accounts are considered a liability. Since the economy is in a recession because of the coronavirus pandemic, Synchrony Financial is trying to reduce its credit liability by systematically closing accounts that have zero or low balances, and they are falsely claiming the accounts are being closed because of low credit scores. They are deliberately putting false statements on peoples credit reports as to why the accounts are being closed, which is lowering their credit scores, making it harder for them to take out loans, and increasing the cost of borrowing. I have a feeling the 13,000 complaints that have been filed with CFPB since 2017 against Synchrony are just a tip of the iceberg and that when there is a formal investigation into the business practices of Synchrony Financial credit card services, there is probably the potential for a class action lawsuit.

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 2022-11-04
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This past XXXX I called Wells Fargo Customer Service and asked to have 3 months of my mortgage payments deferred to the back end of my mortgage because I had to close my restaurant due to covid. I was told by the customer service rep that it would be no problem because wells Fargo was there to help us get through this terrible time. I wasn't asked to fill out any paperwork. About a week later I received a letter from Wells Fargo explaining what my next steps were. It clearly spells out the next steps in the letter from Wells Fargo that the three months payment would be moved to the back end of the loan. At the time of the request I was 2 months behind in my mortgage. Between XXXX and XXXX I Made two payments on the mortgage to bring the mortgage current. I then received a phone call from Wells Fargo in early XXXX asking if I needed to extend the deferral period. I told them that I didn't want to extend and that I would resume my regular payments in XXXX which I did and have paid on time in XXXX & XXXX as well. In XXXX I starting receiving loan modification documents and constant phone calls from their loan modification department telling me that my loan was sold previously and the Savings and Loan that owned it would not honor the deferral and that if I did not apply for and receive approval on the modification that they would start acceleration on foreclosure. I was also told that since I am still out of work that I would be denied approval. I was told by Wells Fargo who services the loan that The savings and loan would not honor the deferral because at the time I called for deferral I was two months behind. I asked why I wasn't informed of that in the deferral acceptance letter or on the phone and was told that the policy was put in place on XX/XX/XXXX which was three months after I was accepted. On the date that new policy was put in place I was already caught up with the two months in arrears. This puts my home in peril. 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 2021-06-22
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On multiple dates since XXXX I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently homeless because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: MS
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 am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Experian is reporting XXXX, a collection agency collecting on behalf of XXXX XXXX XXXX. XXXX is reporting a debt over 7 years old and there is XXXX balance that was owed to the apartment community when I moved out. The reason I moved out was due to the apartment being infested with mold. After a reinvestigation, by Experian it was determined the item should be removed from my credit report, due to additional research and the retention time associated with this account. The item HAS NOT been removed and I have been denied a mortgage due to the item still appearing on my credit file. Please immediately remove this item!

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

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 2023-08-08
Company: American First Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I was paying on a washer and dryer from America First Financial, a month before paying off items. I noticed that stated my payment was XXXX which is paying off this item twice..please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked my cash app and stole money that was initially in my cash app and then requested money from my bank debit card and took that too. I reached out to cash app via their support team the day it happened but they refused to help me. I disputed the transactions with my bank and got most of my money back however cashapp is holding me responsible for the negative balance due to that dispute, plus they claimed to investigate the fraud but never did- they simply got back to me in a matter of hours and said the charges were authorized by me. The transactions are listed here : XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$82.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$86.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$49.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I realized upon pulling my credit report that XXXX XXXX XXXX reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with Experian and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by XXXX, but they are still reporting it as a collections account. I called XXXX and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The XXXX agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by Experian that allows for me to contest the account. Experian only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXXXXXX Medical- Hospital bill after my XXXX XXXXXXXX XXXX XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, 15U.S.C 1681 XXXX XXXX  I ( XXXX XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: PNC Bank N.A.
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
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:
From XXXX through XXXX, 2020, I paid to credit card company ( Citi ) {$1300.00} toward my credit card balance and only charged {$16.00} during those XXXX months. 

Yet, my interest per month went upward {$8.00} at the end of XXXX months compared to what it was at the beginning of the XXXX months.. There is no mathematical possibility that my interest per month should not have gone done ... considerably. This is true even if Citi calculates interest based on different number of days in the calculating period. 

In XXXX, Citi calculated a 33 day billing cycle which, of course, greatly increased the interest charged. No other credit card I have has ever calculated a 33 day billing cycle. 

I contacted the company. Their rep said he would send to me, within XXXX to XXXX  days, the reasons for the company 's calculations. I never received 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 2023-06-24
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, inaccurate, and questionable items that the credit agencies didn't make sure it was reporting 100 % correctly The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
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: Their investigation did not fix an error on your report

Complaint:
CRA is erroneously reporting derogatory items and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
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:
I need some assistant with the following unverified accounts that are showing on my credit 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 I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA 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 2017-12-16
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have owe XXXX on my XXXX XXXX, have messaged them and called them and getting no ware. My credit has dropped from XXXX down to XXXX. I have been making payments early each month and suddenly my credit score dropped and they are telling me I am not paying the full amount each month. I am requesting to have this interest rates lowered and the fees taking off immediately. I am not at all happy, struggling financially, in low income housing, had to apply for medical assistance and food stamps. I pay my bills all early and now XXXX messed up my credit score. I am not happy at all with them and need to speak to someone on this issue please.

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 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2022-07-22
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: Account information incorrect

Complaint:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation