BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I got a Paypal Mastercard ( from Synchrony Bank ) at the end of XXXX ( 2 months ago ), solely because of their attractive cashback program. Last week, when the card was suddenly declined, I discovered that Synchrony had closed the card due to me being " an extreme credit risk '', which was a fraudulent act to begin with. I am the farthest thing from an extreme credit risk - not only did the card only have a $ XXXX limit, the paypal account it was attached to had usually had $ 20k-40k in it for at least a decade now. And in my credit history the payment history on my last card was $ 20k- $ 40k a month paid in full without fail for at least a decade now. My credit rating is typically around 700.

Since it happened so quick, it's obvious that they're doing a monthly review of cashback accounts, finding the ones that are costing them money ( like me ), and then closing them under false pretenses. Complete cheating and false advertising, maybe not XXXX XXXX level but seems to me to be same concept. 

so I was going to file a complaint about this anyhow, as the research I did about Synchrony Bank ahead of time had a strong " caveat emptor '' flavor to it and people like this need to be exposed. 

BUT, it got worse - yesterday I went to pay off my remaining balance, partially using the {$700.00} in cash back credit I had built up in the last 2 months, but lo and behold, the cash back credit ( the only reason I got this card ) is gone. A quick call to Synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason. I've attached a screenshot of the cashback rewards summary on the paypal site- {$0.00} available, but a lifetime ( last two months ) of {$690.00} that I was not able so use until they revoked it. 

so there's your fraud, wrapped up in a neat bow - I got a card because of the cashback offer, I use it too well so they close the account for a fraudulent reason, and they then proceed to confiscate the rewards they gave me for using the cashback program. If that's not a scam then I don't know what is. 

I am 100 % willing to participate in any kind of class action suit or mass complaint against this company - obviously they're not going to stop misleading consumers unless there is some kind of tangible disincentive.

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my credit report on an app I have and I received a deletion from XXXX XXXX, yet TransUnion and XXXX  is still reflecting a derogatory account under my name I would like this deletion removed as stated In the fcra Please see documents they sent to notify of the deletion Thank you Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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:
On XX/XX/2021 and XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report. I have not yet received a response and its over 60 days. My disputes are being ignored and I feel power is being abused here. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these items be deleted immediately or I will seek litigation due to the XXXX it has caused. I was also affected directly by the Equifax data breach and my information was impacted and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I was notified by my bank of some suspicious transactions on XX/XX/21. There was 3 transactions. Two of the transactions were denied one went to processing. When it went thru I made another claim cause I figured something happen cause it went thru. which was closed for duplicate. I was notified on the XX/XX/21 was denied. I called the said it was filed wrong not under fraud. They filed it under fraud. On XX/XX/21 was denied again. I called they said cause the merchant provided email and phone number that did not match mine. They confirmed it wasn't my information said it would be closed and account credited with 24 hours. It was denied again. I called back and now they are saying since I made 2 claims about the same transaction. They pay the claim. That its my fault since I opened another. I made a mistake now I'm out the money. Claim number XXXX amount {$490.00} Now they say there's nothing they can do.

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 2021-10-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are trying to collect a debt that I already disputed with original creditor as fraud related, Original creditor agreed to remove since balance was {$4800.00} on a credit card with a {$2200.00} limit, I have all documentation of the dispute with original creditor. Midland credit managem stated that account was opened on XXXX XXXX, 2020 and bureaus are reporting another different date. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally bank holding funds Used electronic means to make a transfer to my savings. Bank holds for up to 3 days! 
Supposed to be available next business day Then they say may be available END of businesses day, WHY??? So they can use 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 2023-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$150.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXL Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2019-10-31
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Union Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX around XXXX XXXX {$980.00} Cash Deposit Claim # XXXX I made a {$980.00} cash deposit at the UNION BANK ATM located at UNION BANK XXXX XXXX XXXX XXXX there was a drive way leading to the UNION BANK ATM with arrows pointing to the machine. The Machine screen has UNION BANK sign. I used my UNION BANK Debit card and deposited XXXX {$100.00} Bill and XXXX {$20.00} bill. 
XXXX * {$100.00} = {$800.00} XXXX * {$20.00} = {$180.00} Total Deposit {$980.00} The machine indicated due to technical reason my deposit was not completed. The same problem happened to me several months ago with cash deposit at the UNION BANK Located at XXXX XXXX XXXX XXXX at XXXX XXXX CA, I called the XXXX number they told me to contact the bank, which I did the manager of the bank checked their ATM machine and credit my account for the deposit right away. With that experience today I walked to the UNION BANK and told the manager of the bank that I just deposited {$980.00} cash and the machine did not give me credit. Ms. XXXX XXXX Branch Service Manager gave me a phone number to call to place a claim, she told me we are not responsible for the UNION BANK ATM machine at our parking lot. This response was not acceptable to me, I made complaint and asked her to call the number and let them know that I am at the bank and they need to give me the credit. She did call and I was given a claim # XXXX by a person called XXXX who told me it will take any where from 10 to 90 days for them to investigate the case to get the credit. I did not accept that response and asked to speak with her supervisor XXXX, she told me they collect the cash daily from the machine, but the policy is to wait from 10 to 90 days to process the claim. I made sure to ask that our conversation was recorded and repeated what she told me 5 times, indicating how absurd her so called policy is, she was cold and had a take it or leave it attitude, and made no efforts to help me. 
I am requesting the CFPB to open a case against Union Bank and requesting that Union Bank to Credit my account {$980.00} today and compensate my account for my inconvenience {$250.00} per day penalty for every delay starting XX/XX/XXXX until full credit of {$980.00} is recorded. 
I believe their response to their machine failure is not acting in good faith and illegal. They need to put a sign on their machine warning that deposit your hard-earned money at your own risk to be acceptable to go and check to see if the money is there or not right then and there. 
To me having this happen twice in one year has criminal intent all over 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 monetary relief
Consumer complaint received 2018-05-16
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/17, XXXX XXXX XXXX ( us ) paid XXXX XXXX XXXX the amount of {$3200.00} ( check # XXXX ) to payoff loan for XXXX XXXX XXXX XXXX. As of this date, we have NOT received the title. I run a XXXX and XXXX still shows as lien holder of the vehicle. We have tried several times to contact XXXX and request the release of the title and they keep telling us that the title was released. When we ask to speak to someone in the title department, they say we can't talk to anyone from that department, that we need to leave a message for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Duvera Billing Services, LLC
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.

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 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.

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