BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a count at walmart i paid my monthly bill on the XX/XX/XXXXl XXXX dollars and then i turned around on XX/XX/XXXX i made an extra payment of XXXX dollars to get my account down, on the XX/XX/XXXX i was told by walmart that they did not get my payment, now i received payment processing number for both now once i called my bank i found out there were some problem with my account and i guess the payments did not go through so i called and made a payment of XXXX dollars at that time i was told my account was closed and charge a XXXX dollar late fee, i tried to explain to walmart it was not my fault but they did not care the bank closed my account and i didn't know until i was on the phone with them and also they didn't receive my payment. now my account is closed and they still want me to pay late fees on top of what i owe, i do not feel walmart is right or rather the bank and i need help. And also as of XX/XX/XXXX when calling walmart about my account it stated Thank you for the payment of XXXX dollars now going by that alone you see there is a problem because that statement was said before i made another payment of XXXX dollars so what is a customer to do.Walmart is wrong and they don't care.

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 2018-01-22
Company: CITIBANK, N.A.
State: NV
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 use autopay, from my bank to pay my Citicard credit card. Citicard was set up to send me paperless statements. I never received an alert or courtesy via mail, or telephone call stating that minimum payment changed. The emails were automatically going into my gmail " promotions '' which do not show in the inbox. Monthly payments for the past amount were paid, on time every month for what I thought was the minimum due. I was not aware that I was getting a late charge, that accrued with continued late payment for 4 months. 

Late payment were charged X/XX/17- {$25.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} Automatic payments were made X/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} It is obvious that I had/have all intentions on payment. Citibank refuses to issue a refund on the late payments and they have marked my credit as late and stating they can not reverse the late 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 explanation
Consumer complaint received 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Company does not realize the damage done Ive called multiple time but was on long 2-4 hours lines waiting for one person to answer, I went to the court house they stated on complaint and was told it did not exist I sent in a response letter XX/XX/2023 the same day they go called filed the suit I got a letter dated XX/XX/2023 the company above has gone beyond the lines of harassment lost a job because of the harassment they caused they were quick to call me 5-10 times in a row x 3 times a day called my job everyday once they found out I was working again I lost my job because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: CO
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:
I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for credit monitoring through Experian Credit Tracker sometime in XX/XX/XXXX. I was later able to call in and cancel the service around that time. In XX/XX/XXXX ( XXXX ) I was charged {$49.00} on my debit card ending ( XXXX ). I called in to inquire about why I was being charged and was told I did n't respond to emails and was charged {$24.00} for two months. One charge of {$24.00} was later agreed to be returned, but the remaining {$24.00} was not going to be returned.

I have not used or logged into this service during the time period, as confirmed by a representative named XXXX ( # XXXX ) during a phone call on XX/XX/XXXX. The emails seemed like solicitations and I did not want to open them. They did not say anything in the subject about late payments or delinquent payments due.

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 2020-01-08
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX of XXXX, a Direct Express customer service representative notified me of suspicious activity involving my account. The representative placed a hold on my account and a new card was mailed to my address. The representative assured me my account was secure again, however soon after this incident, I noticed money withdrawn from my account without my authorization. I notified Direct Express via phone of the fraudulent activity as soon as I became aware in XX/XX/XXXX, and a customer service representative notified me they would investigate my claim. I noted transactions on my bank statement that were not my authorized transactions and mailed this information back to Direct Express. 

The investigative process into my claim was frustrating as various customer service representatives gave me contradicting information regarding my claim. Furthermore, money continued to be fraudulently withdrawn from my account during the investigative process and even into the next year XXXX ; I would notify Direct Express each time I became aware. Some of the fraudulent transactions included hundreds of dollars being withdrawn at a single time. Direct Express website has constant technical difficulties which makes it difficult for me to check my account online and receive my bank statements quickly if I needed a copy. 

I relied on the customer service representatives at Direct Express to give me accurate and timely information regarding my account because I am not technology savvy. The times I have attempted to view my account information online regarding this matter, Direct Express website was not functional. To my knowledge, the investigation has been left incomplete and Direct Express has failed to reimburse my account with any of the funds stolen. 

My life has been completely turned upside down due to not being able to resolve any of my claims of fraudulent transactions with Direct Express and get any of the money back that was stolen from my account. I see that others have had the same issue with Direct Express. I hope something can be done so that other people in the future do not have to suffer the losses that myself and others have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Information belongs to someone else

Complaint:
See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete.

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and Profit. 

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the XXXX Bureaus, Transunion, XXXX, XXXX. Nothing match on Open Dates and Times, the balance does not match, and the name on 2 accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to Transunion, XXXX, and XXXX. I have not received an updated copy of my consumer report to gauge.

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 2020-01-08
Company: EQUIFAX, 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:
There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Synter Resource Group, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX XXXX  ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. I sent letter off on XXXX XXXX ; I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out and here. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed immediately. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank 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 2023-08-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CCS collections multiple times via phone and written letter : I made a payment in XX/XX/XXXX ( even though the collection was not mine ) to take off my credit report. The company responded by stating that if I made the payment the collection would be taken off. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$74.00} Amount : {$0.00} Status Date : XX/XX/XXXX Status : PAID

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXXXXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions. 

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. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.

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 2023-08-25
Company: I.C. System, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Disputed Incorrect Information 15 USC 1681i s-2 15 USC 1681 SEC 5

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