BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I thought I did not have overdraft protection for my account. Yet I paid three overdraft fees that the bank is refusing to return to me. I had a check clear my account with no money to cover it. Then all my other transactions got denied except 1 which I was charged a few for along with the check. After that all other transactions on my account are denied without posting except one which was paid then returned when money was added to cover the balance and then another fee was charged for returning the transaction that was paid. I want my money back cause I feel my account overdraft was due this banks processing when money isn't Available then charging me for it. Now if it was a non sufficient funds charge I'd feel differently.

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} Chapter XXXX Bankruptcy XXXX XX/XX/2015

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 2020-12-09
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted XXXX, XXXX and Experian to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.

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 2018-11-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I was charged {$49.00} to my American Express by a company called XXXX XXXX located in XXXX, PA. 

At the time I was 3,000 miles away in California and did not authorize this charge. 

I filed a dispute with American Express and the merchant provided a " keyed in '' receipt without providing any supporting documentation that the charge was authorized or that any services or products were granted. 

Again, I did not authorize the charge and American Express was aware that I was 3,000 miles away because I both told them and they have access to my account history which showed that I was traveling at the time. 

Despite this, they have chosen to uphold the charge simply because the merchant claims a unilaterally created receipt manufactured without my consent or knowledge somehow legitimizes the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying for several years to reduce the interest rate on mymortgage. I am XXXX and the only income I have is social security. Wells Fargo has been giving me the runaround. 

I again tried to reapply this year and they still give me the runaround. I talk to representative on the phone many times and get no answers. You would think that with the current financial worldwide issue they will listen. I am asking for a rate reduction that's all. 
I have a ref. # XXXX My mortgage no. is XXXX The property is XXXX XXXX XXXX XXXX. XXXX XXXX, nY XXXX Please help the stress is overwhelming ... I just had XXXX and the prognosis is not good

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-04-27
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This debt is originated through leasing company XXXX XXXX XXXX XXXX XXXX. They explained the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and they advised my file # associated has outsourced this debt on a repeated basis and I continue to dispute this debt. 

I take pride in paying my bills and when I go the extreme levels as I have already exhausted to validate the debt within the 30 day timeframe from the initial demand letter I received from the original creditor ( s ), I can only expect a response from the creditor of my request which brings me even closer to my complaint about Nelson & Crews Associates, who represents themselves in directly as a law firm by telling its debtors that the account is in process and when ask what do you mean in process, they violate the UDAAP big time by stumbling and making up words to give false misleading statements and creating the perception that they have process a claim for law suit. In XXXX I advised this agency that hung up in my face on repeated occasions and after several attempts provided me their address information to send a complaint to their company of their harassing tactics and file a dispute this debt. 

XXXX rates this agency as a D+ and I truly understand why. My attorney is XXXX XXXX XXXX and Im forwarding her the complaint to assist me in filing suit against this collection agency. I would like the call recording I had today XX/XX/2020 with a Ms. XXXX who works I guess for this UDAAP processing department of Nelson and Crews and Associates. She advised the call to me was a courtesy call to follow up for my attorney information. I expressed to her same thing I said in XXXX when they harassed and Mis-represented their agency, XXXX XXXX XXXX ( assignee ) and sold by original creditor XXXX XXXX XXXX XXXX. The number they were calling is a cell phone XXXX and Im incurring charges from their calls and they must have me on a predictive dialed ( TCPA violation ) based on the number of calls and voice messages they were leaving me. I request to status the account dispute and please forward the documents to validate the debt. My attorney will be in contact with this agency and will send my request for validation to XXXX. 

Copy : ACA Attorney XXXX XXXX CFPB Secretary of the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX my Trans Union score went down 14 points the only thing that changed is it cording to them was a new account for {$500.00} it only increased my credit usage to 33 % up 1 % and that is still good the other three credit companies XXXX experience and XXXX have my credit score 45 points higher I have contacted them numerous times they are no help whatsoever it is ridiculous going down 14 points in one day but it still be 45

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 2020-07-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A Care Credit/Synchrony Bank Card was opened in my name without my permission on XX/XX/XXXX and used a XXXX  XXXX  of XXXX XXXX, FL, totalling $ XXXXSynchrony bank notified me on XX/XX/XXXX due to payments not being made. I requested the account be closed XX/XX/XXXX due to fraud. However, Care Credit/Synchrony continued to take payments from my bank account. An additional call to the Care Credit/Synchrony fraud department was made on on XX/XX/XXXX to close the account, but payments were again being taken out of my bank account without my authorization. I filed 3 fraud reports with Care Credit and each claim was denied, claiming I benefited from the card. However, I never opened the card or used it for XXXX  services.I receive XXXX  services through my employer and therefore would have no reason to open this card.

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 2020-07-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Synchrony Bank sold my debt to XXXX XXXX. XXXX  sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On my credit report it pop out a XXXX amount debt and I dont recognize from where and it affect to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do no belong to me, please block and remove per 15 USC 1681c-2.

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 2021-11-30
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my Equifax and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my Transunion credit files are still showing this account despite the multiple disputes.

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 2020-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX  sold my debt to Porfolio Associates. PA sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1 ) sold a XXXX XXXX  watch for {$800.00} on XXXX  on XX/XX/2020 ; payment received through PayPal ; then buyer stated watch wasn't as described and received XXXX 's ok to return despite photographic proof that the watch he was trying to return was a different watch -- XXXX ( probably because of limited COVID staffing ) didn't reply in a timely manner so PayPal charged back my account on XX/XX/2020 -- I appealed to PayPal with electronic and printed photo proof, exchanged many messages, sent separate pleas with proof to their President and then Chairman but didn't receive a response -- one specific example is that the watch returned had 6 links on one side of the band while the watch sold had 5. His watch was also scratched in many spots and dirty. PayPal never answered as to how they could ignore the photo proof in my claims and have still not satisfactorily responded as of XX/XX/2020. 
2 ) as a result of that action, on XX/XX/XXXX PayPal put on hold {$380.00} proceeds from a separate transaction that were to be released one day after customer received shipment which was XX/XX/XXXX. As of XX/XX/XXXX they haven't released the funds and have not responded to requests

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: VA
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:
CITI has admitted to inaccurate information on my credit with XXXX  and has yet to fix it this is almost two years of going back and fourth with them.

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 2020-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have three credit cards with Synchrony. They increased my credit line on all three cards, because I was never late, was not overusing or abusing the cards. 

Over the last 8 months, they have reduced my credit lines, making it impossible to use cards, and each time the reduce the credit line, my credit score takes a hard hit. They are destroying my credit worthiness, because I pay on time and they've NEVER had an issue with my card use. 

When I did talk to them, they stated I do not own property and they reserve the right to decrease credit line. I have never own property and they approved me. I would understand a decrease in the limit if I was abusing the account. But, I CAN NOT even use the accounts because of this behavior.

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