BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is still pending a response. I have responded to Synchrony Bank as requested by email or mail. Email was my choice being that I have sent many letters to the company, and it is has become very costly. I still have not received a response back as of the day since I responded back to them. The email was sent on XX/XX/XXXX at XXXX, XXXX. Normally I can receive an email but can't send one. Email provided was, XXXX. I have provided all necessary documents and pictures of information sent to company, was sent out in this email. Below was my response to email. Some of the information was provided in my last statement. For my privacy I wish to keep some of the information Private and use what I sent. If needed all documents will be uploaded in another complaint. Thanks!

Hi, I have sent multiple letters and copies of verification of the negotiable instruments sent in to set-off this account. Synchrony Bank has failed to give reason of why, it was not credited to the account, and havent made any adjustments. It was even stated to me that they didnt receive the negotiable instrument, but they received the letter that came with it. The negotiable instrument meets all requirements according to the negotiable instrument act XXXX. NEGOTIABLE INSTRUMENT ACT HJR XXXX of XXXX XXXX XXXX XXXXXXXX trade and endorsement of the bill of XXXX XXXX XXXX Enclosed are the copies of the negotiable instruments, and letters sent to the XXXX and XXXX of SYNCHRONY BANK on XXXX XXXX and Synchrony 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 2021-02-11
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a DSNB MACYS account reporting on my credt. I have no IDEA as to what this account is and believe it was opened fraudulently. Upon contacting DSNB they told me that they have someone else 's birthday and last name associated with the account. I woud like this account to be removed from my credit profile as it doesnt belong to me.

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 2021-08-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc is the collection that appears on my. CRedit report is show g this collection that is not mine.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
i had a XXXX charge from XXXX. It went straight to a collection agency. I never received a bill from XXXX. It is XXXX and this is STILL on my credit report. Even though the date of first delinquency is over the maximum allowed time. I have disputed this and nothing has been resolved. i can not even get an explaination for what the bill is for.

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 2020-12-04
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 fraud alerts or security freezes

Complaint:
The True Identity website offered by Trans Union is supposed to allow you to lock and unlock your credit. However when you sign up they status is set to unable to activate. Then when calling into TransUnion you are asked to provide your SS # over and over again. I spent over an hour trying to get this taken care. I am told this is an internal issue. This company needs to be regulated actually disbanded they can not be trusted with peoples sensitive information. 
They claim that there is a fraud alert on my SS #. No one can tell me why or how that is? I keep getting transferred from person to person who seem to have one excuse after another but no answers. These are the people that manages my information and that creditors, employers, and insurance companies use to determine my worthiness, what a joke who is monitoring the worthiness of the credit bureau.

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 2020-07-19
Company: U.S. Auto Sales Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was buying a car from US Auto Sales and my car became a total loss. I received a letter from their claims specialist stating once they received the total loss payment from insurance company and my final months payment the loan would be closed. I was told I would receive documentation that would state this so other dealers would not restrict me from purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Tuesday XX/XX/XXXX I had money put on my card by XXXX XXXX total of {$420.00} and I noticed at XXXX. There was a transaction was made of the amount of {$400.00} leaving me with {$20.00} left the transaction was made XXXX XXXX  XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US cash charge {$3.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an American Express Credit Card and an American Express XXXX Acct. 

I updated my American Express Credit card to pay out of my XXXX account but for whatever reason it still was stuck on the Amex savings as the payment source. 

my payment was due by XX/XX/XXXX. Having realized that the wrong account was being debited for the payment i contacted american express XXXX bank customer service, and they said the payment had not been attempted on the account. If I wired funds that day the funds should arrive same day. 

I setup a wire from chase and got confirmation it was sent before wirecutoff so it would have been received same day XX/XX/XXXX. 

on XX/XX/XXXX the funds have not been received XX/XX/XXXX i called Amex and they said they haven't seen the wire hit yet, or the payment debit but the wire should bein the account by end of day XX/XX/XXXX the funds have not hit the account yet and the payment on the credit card bounced. i was assessed a {$39.00} payment return fee- which was waived. but i will be charged interest on the payment which will likely be around {$900.00}. 

i contacted amex savings and they said the wire was in review. and it should be in the account byt end of day. it is past end of day and yet the funds have not arrived in my account yet. 

this is an account that I own that i've also made transfers to this amex savings before in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First Complaint # XXXX Received letter from Bank of America on XX/XX/ please see the attachment. 

Stating that they have confirm that it wasn't myself that opened up another bank account in my name with my SS #. This is unacceptable, Bank of America still has yet to explain to me how this happened under their watch. I am not satisfied with this communication from them ; my life has been turned upside down since XX/XX/XXXX because of this and I want answers.

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 2020-07-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was supposed to get a credit for fees and interest to bring my account to a XXXX balance after the CFPB complaint I had to file after my XXXX billing issues and TERRIBLE customer service. Somehow there still was a small balance left, and now they've been charging fees on this leftover balance that I wasn't aware of because I had paid my purchase balance in full minus fees and interest back in XXXX. I have not made any charges on this card since then and now refuse to use ANY of my cards held by Comenity Bank after this XXXX XXXX card nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Nelnet, Inc.
State: CA
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 initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to NelNet Loan services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, Subject : MoneyGram Fraud I have transferred amount {$130.00} to my cousins account who is XXXX using MoneyGram App on date XXXX XX/XX/2020, the money is not credited to his account. MoneyGram given confirmation it will be credit to his account in four days, but its now almost one month the money is not credited to his account. I have called MoneyGram and done the multiple followup and they always tell me there is technical issue, i asked them to cancel the transaction and credit back to my account and it is not been done yet. 

MoneyGram Transaction reference # XXXX MoneyGram Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Public record information inaccurate

Complaint:
Experian Rent Bureau, You are reporting a collection collection account that does not belong to me- remove immediately. 

Please see attached complaint.

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 2023-05-26
Company: EQUIFAX, 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The car was surrendered on time on XX/XX/2020. At the time, we were not offered a chance to be there for the inspection by XXXX, citing coronavirus concerns. That is the subject of a different complaint. 

This is a complaint about the taxes. A tax bill was issued in XX/XX/2020 and covers the tax period from XX/XX/2020 to XX/XX/2020. We have not used or been in possession of the car since XX/XX/2020. We properly had the tags canceled in XX/XX/2020. Our tax obligations on the car until XX/XX/2020 have been paid. 

Now NMAC is trying to make us responsible for taxes for a period when we have nothing to do with the car. This latest tax bill needs to be removed. 

We still dispute the remainder of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by XXXX Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
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 contacted your office after I ordered a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEMS : XXXXXXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I arrived to my XXXX in XXXX XXXX ( confirmation code HMR XXXX XXXX ) The place was absolutely disgusting and unsafe. 

I communicated with XXXX and also my bank to help file a claim. 
We did not stay for even 24 hours. 

Fifth Third bank instructed me to NOT SPEAK to XXXX further, that their " resolution team '' would handle XXXX. The 5/3 representative assured me I had nothing to worry about. I explained the situation THOROUGHLY to the agent. She said to sent her photos, correspondence and well as phone records etc. I did so. 

In, my opinion after 5/3 bank realized I was not a XXXX XXXX dollar customer, they did not bother to work on my behalf. 

I was issued a provisional credit as I did not receive the service that was charged on my card. 

Sometime later, Fifth Third bank decided that I was at fault for the matter. The agent asked me if I HAD reached out further to Airbnb ( I was told not to do so ). 

The final resolution was that I needed to resolve the matter on my own. I would have done so, however, I was instructed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have found several inquiries on my credit report that do not belong to me

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 2023-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Keep receiving numerous calls and threats all times of the morn. Or day about a XXXX XXXX XXXX  account credit card that I never received or used and Recovery portfolio have been trying to collect debt and won't resolve instead keep harrasing and threats to sue and have been told that I have been a victim of fraudulent activity with XXXX  XXXX XXXX  and XXXX  XXXX XXXX  and have disputed it and Portfolio recovery has not removed or investigated it and continue to harrass and ask me to pay A Identity and fraudulent payment sum of {$460.00} that I didn't receive and threathen to be sued Credit card companies /Portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Student loan of 30 years with XXXX held a fixed rate of 4.5 % for the term. It was sold to Nelnet Bank this year and Nelnet raised the interest rate on this FIXED rate loan to 5.75 %. I asked them to correct it back to the fixed rate value it had always had and they said Fed raised rates. I understood banks can not raise a rate on a fixed rate, student loan and so I am lodging a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt validation to all three credit bureaus in XXXX 2021, debt was not verified by XXXX and in the result was removed

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