BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
Last XXXX I opened my XXXX account with XXXX, I was told that if I opened up a store card ( credit card ) through synchrony bank that I would get a discount. So I got my discount on my XXXX purchase and my only purchase on the store card. Well the lawn mower tires that I bought were not the right size so I sent them back to XXXX and got a 100 % refund which I have been told by XXXX at least XXXX times which was supposed to take the balance off the card. I have made no other purchases with the XXXX store card which I have confirmed by XXXX but yet in XXXX Synchrony bank said I had a balance of {$3.00}, I did not get a billing statement for {$3.00}. I did get a bill in XX/XX/XXXX for a bill around XXXX dollars which confused my wife who called XXXX shortly thereafter. XXXX told my wife to disregard the bill because there was n't any balance on he account and no purchases have been made. On XXXX XXXX me and my wife entered a XXXX XXXX dealership eager to buy the motorcycle that we have been wanting to get for more than 4 years only to find out that my credit was shot due to unknown reasons. We came home that night and I pulled my credit report and it showed that XXXX has been showing my account late since last XXXX. When I called them on XXXX XXXX XXXX told me that they I have no idea what the charge is on the account because all money was refunded back to the credit card and no other purchases were made. They then transferred me to synchrony bank collections who told me that I had to write a dispute letter because my account balance in XX/XX/XXXX was {$3.00} and has been delinquent ever since I asked them what purchase was made and they said they could not tell me and did not know. That is when I decided to contact you through this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: Synovus Bank
State: AZ
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 my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements card ending XXXX there were charges that I disputed under case number XXXX. After the card ending in XXXX and was closed XX/XX/XXXX I continued statements until XX/XX/XXXX balance XXXX and charges on this closed account. I paid off the balance on the account XX/XX/XXXX when I reported the fraud. I was given a new card ending in XXXX. The 1st statement XX/XX/XXXX showed fraud again with the same company charge as before. I disputed the XX/XX/XXXX charge for XXXX on XX/XX/XXXX.. A credit balance came for XXXX on XXXX card ending over payment. I received more statements with this account number after the XX/XX/XXXX closure date. XX/XX/XXXX fraud occurred again showing as XX/XX/XXXX XXXX XXXX 2 charges XXXX and XXXX these were disputed on XX/XX/XXXX. On XX/XX/XXXX card ending in XXXX was closed at my request due to fraud on XX/XX/XXXX statement which I had filed a dispute on twice. At this time XXXX rep for First Progress stated the was a card ending in XXXX issued in XXXX. I informed him I did not receive the new card and requested it closed and reissue new card. I changed my mailing address and asked him to confirm it is now as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX. He stated the address was not this and XXXX requested it be changed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Collins & Hilton Asset Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting a debt on my credit report that Ive sent multiple letters to the company to validate the debt and they have not sent or validated anything. I do not have any business with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
In search for an apartment on XXXX. I reached out to the ad and the person reached out to me through text but then a link was sent to me for background check and credit reporting. I entered my social and some personal info along with my bank account info and then when I tried to login to the site again I was unable to. I haven't heard back from the person since. This is definitely a scam

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 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My friend sent me a link to sign up for a credit card, capital one quick Silver where you get a {$200.00} bonus after spending {$500.00}. I called the CC to confirm the offer about 1.5weeks ago. I spent $ XXXX and the CC didn't give me the {$200.00} bonus. I called the CC company and they said that I don't have the promotion on my account and that the representative that I spoke to the previous time gave me incorrect information. I asked to close the account after this bad interaction with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Wall Mart credit card Wil not allow a payment made XX/XX/XXXX16 to be credited to XX/XX/XXXX16. I have talked with customer service when this problem happened in XXXX. Wall Mart does n't disclose hat the cutoff date for billing month is. Last month it was the XXXX. It changed this month and customer service wallmart credit card wo n't allow a payment made XX/XX/XXXX16 tone credited to XX/XX/XXXX16 due date. My name is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Card # in dispute 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an XXXX daughter and my credit is being sabotaged by companies they have too much power and this is not fair!

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 2016-01-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Other

Complaint:
I am formally making a complaint against synchrony bank regarding my guitar center card ( acct # XXXX ), I received a voice mail from them today ( XXXX/XXXX/16 ) informing me that my account was past due XXXX payments and a delinquent was reported to the credit bureaus, which is the sole negative on my credit history ever and has lowered my fico. 
I informed them that there must be an error because I have been enrolled in autopay for the past 2 years, I was also informed that there are XXXX late charges ( $ XXXX {$60.00} ) and they stated they will not remove them, I even pointed out that the XXXX & XXXX payments posted without issue, however, the last person I talked to that hung up said she did n't see any information ; I have been attempting to resolve this issue all morning and have gotten nowhere, I have been hung up on 3 times today when I ask to speak with a supervisor, I dont know what recourse I have but this can not be allowed to stand and I can not be bullied and have my credit score impacted when I have never had a derogatory or late payment with any of my accounts and there is no on I can talk to to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 written twice since XXXX to Trans Union for the to validate Two collections that seem to just be reported by them first is by XXXX XXXX XXXX # XXXX for {$990.00} and second is by XXXX  XXXX XXXX XXXX for {$160.00} and they havent responded I certified mailed them a letter asking them to please removed if not certified and they havent responded I did received back sign confirmation that they received my letter but nothing else

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 2018-04-12
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
CONSUMER REPORTING AGENCY DID NOT COMPLY WITH FCRA REGULATIONS AS IVE BEEN DISPUTING THIS ACCOUNTS ACCURACY THE ENTIRE TIME, PAST COUPLE MONTHS, I HAVE YET TO RECEIVE ANY PHYSICAL PROOF OF THE DISPUTED ACCOUNT IS ACTUALLY VERIFIED TO BE MINE.

CHECK MY UPLOADS AGAIN TO SEE THE DISPUTE LETTERS I'VE INITIATED ENFORCING THE CREDIT LAWS.

" 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. " You've dismissed yourself from not having had ever removed this account from my report so there's no reinsertion laws broken by you but how can you look past the fact you've never sent me clear physical proof of a verified account you allow to remain disputed on my report for a period of over 2months. You were unable to provide me a copy of verifiable proof, so you must remove the account from my credit report, thankyou!

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 2022-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX Bank just responded to my XXXX  complaint & agreed that the account being reported does not belong to me. Why is Equifax XXXX XXXX continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Other

Complaint:
The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A woman was using my bank account ( both routing and account number ) to pay her XXXX XXXX  XXXX  bill. Our account numbers are one number off from one another ( This looks to be an honest mistake ). At first, the amounts debited out of my account were small, {$70.00}, and to a lender, XXXX, that I have used so I didn't realize it wasn't my account until two transactions of {$250.00} were taken from my account on XX/XX/XXXX. I looked back through my account and realized the transaction have been coming from my checking account since XX/XX/XXXX and it is now XXXX. In total {$1200.00} was taken from my account. When I contacted Chase to get my money back, they refunded me the first 90 days worth of transactions from the date in which the ACH 's were coming out of my account, totaling {$340.00}. I am still out {$950.00} and Chase told me to contact XXXX XXXX  in order to get my money back. I called XXXX  and they told me because I am not the account holder, I can't report fraud. I have gone through all the avenues to get my money back and no one can help me. Chase won't do anything further, XXXX won't talk to me. I have filed a police report and a fraud report with Chase but nothing is being done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation