BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
About 4 years ago I purchased furniture from XXXX XXXX XXXX. I applied for their offered credit card with 0 % interest through Synchrony Financial. I set up automatic payments to break up all payments equally for the duration of my promotional 0 % interest term. For years they debuted my account for the same amount every month without incident. It finally came down to the last few payments and suddenly without notice my monthly payments were significantly reduced. This was done in an effort to ensure I would still have a balance on my card once the ridiculous interest rate applied after the promotional rate ended. Luckily, I realized what was happening and quickly paid off my remaining balance before their plan could be carried out too far.

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 2020-09-15
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received an automated text stating : My Best Buy Credit Card : Thank you for applying for My Best Buy credit card. Visit http : XXXX for the credit card terms and conditions.

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Incorrect names and address on my credit report. I have had identity stolen in past and only want accurate information on 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 non-monetary relief
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Experian is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect Experian is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paragon Revenue Group reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Paragon Revenue Group received my personal medical information. I have not agreed to do any business with Paragon Revenue Group, I have not received any goods or services from Paragon Revenue Group, nor am I responsible for their debt collection purchase from their alleged client. Paragon Revenue Group have violated my H.I.P.P.A. rights and are trying to collect on an alleged debt. 
Paragon Revenue Group are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a identity theft victim

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 2017-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted XXXX XXXX and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what XXXX XXXX has done to be unethical and inappropriate ; and I want this reporting removed off my personal.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from XXXX confirming the above ). 

When checking my credit report I noticed that XXXX is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted XXXX. And as per the XXXX rep, the amount due was to be deferred as well. And the XXXX payment was not required

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 2019-05-19
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
ON XX/XX/XXXX I GOT CHARGED {$36.00} TWICE FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED 4 TIMES FOR {$36.00} FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED ANOTHER {$36.00} ON XX/XX/XXXX I GOT CHARGED OVERDRAFT FEE FOR $ XXXX DUE TO GOING A COUPLE DOLLARS OVER ON XX/XX/XXXX I GOT CHARGED {$36.00} 3 TIMES FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED {$36.00} FOR ANOTHER OVERDRAFT FEE. I AS WELL ONLY HAVE A DEBIT CARD NO CHECKS OR ANYTHING THAT WOULD HAVE TO WAIT TO GO THROUGH FOR THE EXTRA FEES. I HAVE BEEN CHARGED FOR THE ONE TIME {$360.00} FROM OVERDRAFT FEES. 
I HAVE RECENTLY MADE A 2 HOUR TRIP TO XXXX IOWA TO TRY AND WORK SOMETHING OUT AND DISCUSS MY SITUATION AND MY OPTIONS. THE GENTELMAN SAID HE WOULD PUT IN THE COMPUTER THAT WE SPOKE AND LATER COME TO FIND OUT HE DIDNT AND AS WELL 3 TIMES A DAY US BANK WOULD CALL ON MY BALANCE. I HAVE A MEETING IN XXXX IOWA ON XX/XX/2019 AT THE US BANK TO DISCUSS MY OPTIONS AGAIN AND AS WELL OVER AN HOUR DRIVE. I HAVE EMAILED US BANK AND CALLED MANY TIMES AND EVERYONE HAS TOLD ME SOMETHING DIFFERENT. I HAVE ASKED ABOUT IF US BANK OFFERS HARDSHIP AND NEVER GOT DIRECTLY A YES OR A NO. IM ASKING ABOUT THAT BECAUSE FOR ALMOST 6 MONTHS I CAN NOT WORK DUE TO FINDING OUT I HAVE A XXXX XXXX WHICH THAN HAD TO FILE FOR XXXX. I HAVE OFFERED PROVE IF NEED BE TO SHOW MY HARDSHIP AND EXPLAIN THAT IT WILL BE SO HARD TO CATCH UP WITH SO MANY FEES AND WANTED TO SEE IF THEY COULD FREEZE MY ACCOUNT OR MAKE IT WHERE I COULDNT HAVE ANYMORE FEES ADDED.

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 2021-09-21
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 we went to the M & T branch on XXXX XXXX with the intention of opening a savings account for our XXXX son. We are the court appointed guardians. Our son 's SSI money has been deposited into his existing M & T checking account for almost 10 years. 

We were told our son must appear in person to open an account. We explained our son is XXXX  and unable to XXXX. The M & T representative was indifferent stating that was M & T policy. We asked for a copy of the policy. Our request was denied. We asked for specific guideline on what documents needed to be submitted. Request denied. 
XX/XX/2021 our request for access to the policy was denied by the branch manager at the M & T XXXX XXXX branch. 

On XX/XX/2021 we filed a complaint ( XXXX ) with the Maryland Office of the Attorney General. On XX/XX/2021 in a letter from that office we were told our complaint had been forwarded to CFPB in XXXX, Iowa. Can you help?

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 2021-04-06
Company: OneMain Finance Corporation
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: Was not notified of investigation status or results

Complaint:
Upon review of my credit report, I see that I have late payments in XXXX. According to the Federal Trade Commission Act 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, unless the creditor has adopted reasonable designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment is due. As you can see from the attached state email, the statement was delivered on XX/XX/XXXX and the due date was XXXX XXXX. This is a violation and I am requesting ALL late payments be removed from my credit! I am not against legal action if this is not resolved in the next 30 days. This letter was sent certified on XX/XX/XXXX and I have not received a response which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2020-09-15
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Transaction of {$8000.00} was made to my account today. Shortly after, my account was deleted with no reason at all. My phone and email were unlinked and I was forced to create a new account. This was through CashApp company. They deleted my card as well. I had {$50.00} on the account already. I contacted the company & they have no explanation as to why my account was closed. But the money was approved before it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a Chase credit card for many years ( Chase Sapphire card ). Several years ago, I joined the XXXX XXXX XXXX for our XXXXXXXX, and when registering as an XXXX XXXX XXXX XXXX with Chase Bank ( with whom the XXXX dealt ), I used my credit card as identity. Following that, they linked my credit card reward program to the XXXX accounts without asking or notifying me, so that if I was not very careful, I might accidentally redeem my cash back as a deposit to those accounts instead of my own. That seems a highly inappropriate process, especially for a financial institution as large and established as Chase. I have tried having those accounts unlinked by lengthy phone and online communications without success. The online responses have been evasive at best, ducking the question or pretending to misunderstand. The service personnel on the phone first tried saying it was something I did, and when that didnt succeed, simply told me nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It stated date of service that I Did not have. I was not in RWJ ER, on XXXX XXXX, 2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 ; XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2018-08-24
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX HAS PUT A BAD DEBT IN THE ABOUT OF {$680.00} AND HAS SOLD IT 3 TIMES SINCE IT BEEN DELETED OFF MY CREDIT REPORT. IT HAS DROP MY CREDIT SCORE DOWN 150 POINT. I'M OVER FRUSTRATED WITH THIS COMPANY. SOMEONE GOT CABLE IN MY NAME WHERE I NEVER LIVED AT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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 had opened a XXXX XXXX checking account I then applied for a XXXX XXXX American express platinum card and I was approved so after a few days XXXX XXXX notified me they closed my account. because I didn't meet their guidelines ( its because i have a medical collection account that isn't mine ) but anyways a few weeks later American express notified me if I didn't open an account they would close my American express card on XX/XX/XXXX ( see attach letter ) I understand I used the card, but to charge me the yearly fee of {$550.00} for a card I only had for a few months is ridiculous especially beacuse american express is forcing me to close the account I feel like American Express is Robbing me charging me the yearly fee and then taking away the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: WA
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 ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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