BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: SYNCHRONY FINANCIAL
State: NC
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:
First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!

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 monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: GA
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). 

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. 
Im XXXX and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mortgage initially started with homebridge and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX  XXXX XXXX  multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to XXXX  and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification

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 2017-10-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past few months, XX/XX/XXXX to be exact I have not been able to pull my XXXX Credit Report from Equifax which I am entitled to through the XXXX XXXX XXXX XXXX I subscribe to. In addition this issue, I am now not able to lock/unlock my Equifax Credit Report which is another benefit that is included in the product I subscribe to. This has caused me a great deal of grief which has escalated because every time I have called I have been asked to give them another 24 to 72 hours to resolve which in itself would is not that bad ; however, we are 4 months into this and not once has anyone from Equifax called me to say that we are still working on the issue ; called at least ten times with the first call being made on XX/XX/XXXX and the most recent calls where on XX/XX/XXXX, XX/XX/XXXX and again this morning. On yesterday I just asked that they unlike my file so that I could submit and application and was assured that it was unlocked but of course that was not the case. I would just like to get this problem resolved, considering I have been paying monthly for a service that I not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 2019-12-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted Equfax 9 times to solve a credit reporting error with XXXX XXXX XXXX XXXX reporting false, misleading and fraud information. Once again I am requesting method of Verification that I have the right under the FCRA. I have yet to receive any proof that an investigation took place or that a loan exist in the amount of {$19.00}, XXXX that is being reported on all 3 credit bureaus. XXXX  XXXX admitted guilt by stating the alleged loan as charged off- paid in full. Equifax wants me to do their job of investigating the method of Verification used by XXXX XXXX XXXX  XXXX.it is equifax job to abide by my request for method of verification. Please ask for a copy of my credit report dated XXXX. Report confirmation number # XXXX will show the proof as well. I have my copy and download of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Convergent Resources, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.

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 2023-10-03
Company: Upgrade, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Credit Recording Act, Upgrade ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Synergetic Communication Inc
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from Synergetic communications inc stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and XXXX XXXX. I checked my credit score on XXXX, XXXX XXXX, XXXX and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the lease document is legitimate. the other document pdf which shows the breakdown of the amounts seems to be a document created just for this purpose. this case went to court. the court documents will show the LEGITIMATE AMOUNTS and final resolution to the matter. that document seems to be manufactured to fit this ridiculous amount. also as you can see, i moved out 2 days at the end of my lease which started on XX/XX/XXXX to XX/XX/XXXX. the document provided appears to be altered as i did not sign a 12month 20day lease. i signed a 12 month ONLY lease. since when have you ever seen a 12 month 20 day lease. that document is altered. i gave the office a verbal and written 30 day notice after they released and violated my privacy by talking to a third party of whom i was looking to add onto my lease without my permission. basically i was looking for a roommate. the property manager harassed my potential roommate and asked if i was even living there. The property manager then told the roommate i was looking into getting personal information on my file without my permission violating my privacy. i then issued the apartment a verbal and written 30 day notice for doing this. i told them that i would move out by the end of my lease period. we went to court and a judge adjudicated the entire case. *they have not provided any court documents that show the amounts. *they have not provided any pictures to show any damage. i took pictures of the entire apartment and i am willing to upload them. the cleaning fee also seems to be a later addition or part of the altered paperwork. * the second document to show the breakdown is not a legal document. it is not even signed, stamped or dated. there is no proof it was ever delivered. it was never presented to court. how can a case be closed on a seemingly photoshopped document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXXXXXX XXXX XXXX XXXX XXXX XXXX One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from this account. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. Within 6 hours of calling, I was told they would dispute or look into the fraud because I never had access to the card, which I did and never told them that. I had told them I did and I had personal info etc hacked and that was fraudulently taking from my account. Net spend treated treated me poorly annd displayed no care or concern to follow government regulations regarding consumer rights and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, Being a victim of identity theft made me feel worse after the way netspend handled it and treated a customer, who is a fraud victim because of theyre negligence.I am filing a complaint because netspend is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into 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 explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of XX/XX/XXXX Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
{$620.00} was sent to me via Cash App. The cash balance shows its available but when I attempt to make a payment against the balance, the app says the funds are not available. This has been an issue since XXXX. I have alerted the Cash App support several times over the past 30-days, at which I keep on getting the same response that it has been escalated to a specialist team and that I should hear from them via email asap. I have contacted them a half dozen times and each time its the same response. Only 1x did someone tell me it was a civil process issue, which they couldn't explain to me what that even meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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:
In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}

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 non-monetary relief