BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a XXXX Cashier 's check in the sum of {$620.00} to Synchrony bank/Amazon to pretty much pay off my account. I sent the Cashier 's check with a USPS tracking number which shows delivery. Three weeks went by and the funds were not credited to my account so I called Synchrony bank/Amazon to see what the issue was, the first two reps said they could see the payment but I had to provide information proving I made the payment which was absolutely ridiculous but I accommodated and faxed them a copy of the XXXX Cashier 's check receipt and a copy of the USPS tracking receipt. I received a letter from them a few weeks later stating that they declined my dispute. So I called again and the rep said to file another dispute again, I did as he suggested, I sent in the receipts again by email and fax and also by Usps mail. I received another message from Synchrony bank/Amazon stating that they found the payment in question and will take a billing cycle to get fixed. Today ( XX/XX/22 ), I received another message from Synchrony bank/Amazon stating that they could not apply the {$620.00} to my account because the XXXX Cashier 's check was cashed by someone else so the reversed the payment and are charging me another {$620.00}. I sent them all the information again this evening for the XXXX time. My bank, XXXX said just a couple days ago that the check has not been cashed. Three of the employees that work for Synchrony bank/Amazon has stated that they could see the payment affiliated with my account but needed proof and now I have a letter from Synchrony bank/Amazon stating that they found the payment, then today 's letter is saying the total opposite. I don't understand what is going on with Synchrony bank/Amazon , All I want is what I paid credited to my account. I did my part, I paid it and even provided proof that I paid it. I have additional documents and fax logs besides what I have submitted if needed. To many to attach.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: NC
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 am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit 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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive my e or paper statement and therefore did not know when my due date was and was assessed a late fee. I called and spoke to four different people on the chain of command and they admitted male has been weird the past two years but that they have to be consistent with every client and that the late fee was assessed appropriately. I argued how am I supposed to know my due date when I havent had a balance on this bill for a few years and didnt receive a statement is still not waiver fee this does not support their mission statement or their business practices.

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 2023-03-16
Company: CITIBANK, N.A.
State: AL
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:
On XX/XX/XXXX I called Citibank to ask why they had not upgraded my card to paid since they had receive my payment more then 10 days ago. I needed the credit to reflect the payment because I needed to use the card to make a purchase. I explained it shows on the information that credits are updated within 7 days of payments and it had been more than 7days and wanted to know why it didn't reflect the payment which was substantial. The CSR tho she was referred to as a supervisor did not have an answer. She was quite rude and hummed and sang in the phone as I asked her if she could be more forth coming. She did not answer. I explained that if she could not update it then I have no need for the card. She said so you want to close the account? I stated that was not my intention but if they were not going to give me credit access it will not help me. She continued to badger me about closing the account and I should say " yes ''. She was not helpful and I am sure I did say yes. There was a charge of {$34.00} remaining on the card and since she closed the account I paid it with my bank card, received an email from them stating it was received. I then removed all my information from Citibank card app and now have received a bill stating I owe {$69.00}. This includes {$30.00} interest I am not responsible since I paid that balance before the interest should have accrued. These people are tremendously rude and unapologetic. They will not work with you and take pleasure in trying to ridicule you. They have no intention of helping to resolve anything and only want you to pay this amount. I will pay it because I don't want them to ruin my credit rating but something needs to be done to this staff of idiots.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my payments.

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 2022-08-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today my chase bank sent information that my credit score went down. So I checked everything and I found out someone did my ID theft to get Amex credit of over {$20000.00} and someone paid monthly payment in XXXX and XXXX but not XXXX, XXXX and XXXX. So Amex closed account. This was a fraud so I request a dispute and I am going to go to police department as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These is a XXXX bill located on the profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MN
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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 2022-08-27
Company: JPMORGAN CHASE & CO.
State: NV
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 I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 2017-09-05
Company: Experian Information Solutions Inc.
State: MI
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: Problem getting your free annual credit report

Complaint:
XXXX repeatedly fails to give me my credit report, without saying why, with a non-specific error : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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 non-monetary relief
Consumer complaint received 2022-08-27
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 status incorrect

Complaint:
XXXX still shows an account I had closed as open. I have disputed this in XXXX with all credit report companies. I sent a letter from a lawyer and the issue was corrected by XXXX, and Equifax. XXXX is the only one that has not corrected this problem. They continue to tell me that the account is still open. The account status that I am disputing is from : XXXX XXXX XXXX  It states the the account is open and there is a past due amount of {$6.00}, XXXX. 
It has been causing several " hard inquiries '' on my credit report when I try applying for a credit card or a loan causing my credit score to drop. I would like to have those removed as well as the account listed as closed. 
I have attached the letter I sent to XXXX, Equifax, and XXXX in XXXX. The issue was resolved with XXXX and Equifax only. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: WY
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 6 months of late payments on my credit report for a student loan that was in deferment. They said they fixed this and did not. I have gone through all the channels that I can. Its hurting 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 2017-04-25
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my  XXXX ,  XXXX , and  XXXX  credit reports and seen that I have collections from  Credit Collections and  I submitted a investigation on the accounts. I was sent itemized bills from the collections agency and it had what I got done on them. Showing the amounts and all but then I seen that they did not bill both my insurance or my husbands. I called them and ask them to look it up and they said they could not. I called both insurance company 's. My insurance is looking into it because the account is an old account and I no longer have insurance with them. I then called my husband insurance and they said they did not pay because they requested EOB from the hospital and they never sent it to them. I have paid a few of the accounts but it was before I looked into it further. I do n't know if I paid them what was really needed to be paid becuase of the mistakes I found on there part.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I was a patient in the XXXX  at XXXX XXXX XXXX. 
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly. 

On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}. 

I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Comenity Bank had four of my cards Overstock, XXXX XXXX XXXX Wayfair and XXXX. 
I filed for the hardship program in XX/XX/XXXX, they told me that hardship will be approved only if I am late for one month. Once I applied and was approved for the hardship program I should not be charged the late fees. I am being charged late fees as I am paying under the hardship program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian and XXXX are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on 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