BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: SYNCHRONY FINANCIAL
State: TN
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:
1. Synchrony Bank is illegally trying to make 2 MC credit cards into general-purpose credit card store cards like Lowes or XXXX XXXX XXXX 
2. Today 's date, XX/XX/2023. I checked my available credit on my Sam 's Club MasterCard. I sent in a payment of {$700.00}, but I only had the available credit of XXXX available on the card when I looked up it online, the XXXX Dollar payment has got there. The available credit was wrong and the available cash was wrong also I called the XXXX number of Synchrony Bank ( Sam Club ) and then they just released the hold with no reason at all. Then my available credit jumped up to {$800.00}. But the available cash stayed the same and I was not given a good reason why there was a hold on my available credit I also paid a bill, and a Synchrony Bank credit card ( Walgreens ) while online the web page asked me to use another checking account to make a payment. both these cards Sam and Walgreens which are under Synchrony Bank are trying to tell me how, when, and when to spend my money. And when I speak to them on the phone, Im not going to pretend to be happy about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-03-03
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX reporting wrong info on credit report i sent u info proving its incorrect yet still will not fix ur XXXX XXXX this has been disputed several times and corrected several times this needs to be fixed right

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 2017-11-12
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested validation of this account and have not received sufficient documentation

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 2023-03-09
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX i was contacted bu US bank about deposits from Insurance funds that was for the purchase a vehicle, i have been harassed by employees at 2 separate locations about account information as well as had service denied to me due to the color of my skin, i have been forced to fill out internal documents that I had no idea what was the origin of, and several other discriminative incidents that are offensive and unnecessary, this bank has broken several civil rights laws and im going to get representation i have been humiliated publicly in front of other customers and they are going to pay for these malicious acts.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX  XXXX Balance XXXX {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: PA
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-15
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 is missing that should be on the report

Complaint:
Trans Union has not updated their credit report file of me. They report current loans as delinquent, ALL MY LOANS are current. They have my car loan with XXXX XXXX XXXX XXXX on file with no history, its exceptional. They have my personal loan with XXXX Bank on file with no history it is exceptional as well. They are not updating anything and when I reach out they tell me so get their XXXX $ monthly subscription to dispute. This is horrible and it has stopped me from purchasing a home, and now is interfering with me getting a rental home. They have contracts with some big housing LLCs here in XXXX, but their false reporting is causing me to remain XXXX. 

Compare my XXXX score and accounts to XXXX and Trans Union. ONLY XXXX is actually updated and tracking.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-12-20
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/2019 called to make my regular mortgage payment. Was told then need to pay a diffrent amount. Called back on XX/XX/XXXX, to again make the payment and was told i need to pay {$2100.00}. My regular payments were {$620.00}. This devistated me. All kinds of fees were added and I could not afford these payments. Close the end I found a Cash buyer and they based their decision on my XX/XX/19 statement. When we went to close the amounts change so dramtically they decided not to buy and now the house is in foreclouser. i really do not feel all the fees were fair. I felt like they forced the forclouser requesting so much money at ontime. Not even sure if this loan should be mines, thought my mother had life insurnace to cover the payments upon death which i provided the death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. 

Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hey, I've been trying for months to fix the mess on my credit report, following all the rules in the Federal Credit Reporting Act. These accounts are a disasterwrong, unverifiable, and unfinished. I disputed with the credit bureaus and even contacted the original data folks. They said the disputed info isn't their problem ; it's on the credit reporting agencies. I sent everything to every credit bureau, but they acted like they didn't even check. The data folks were clear it's not their problem, but the credit bureaus are pretending everything 's fine. I attached the account details and the data folks ' letter so you can see the chaos. This investigation is driving me crazy! I asked all three agencies to remove this wrong data from my Credit History Report, but they refused. They say your company insists this info is accurate. Here 's the ongoing mess in my credit report : The account got the green light as accurate, but the mistakes are still there, unchanged. 
The date last active on this account is wrong on every bureauthey 're messing with time-traveling via re-aging. 
Account number? Complete chaos, wrong on every bureau. 
Payment history is full of errors. 
This account is reporting payment history after it's supposed to be closed. 
High credit and credit limit? More chaoswrong and inconsistent on all three bureaus. 
Can you believe this? Any help would be a lifesaver.Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Since i got this car i been complaining about manny mechanical problems on the car, every single month i have to put alot money to fixed. 
Is XXXX  XXXX XXXX and the price over {$9.00}. 
I ask the financial company 1 time to help me fix it and add the cost to my loan or any help and denied. At this moment car is down again. When i bough the car they told me was fine so i feel like they rip me off and now im about to call get the car but they go put repo on my background. 
Can us 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 2021-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter to complaint delete the following information in my credit file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Transaction Dispute and FCRA Compliance Dear XXXX XXXX, I trust this letter finds you well. I am writing to formally dispute a transaction on my account, as well as to invoke my rights under the Fair Credit Reporting Act ( FCRA ) to ensure a fair and accurate resolution of this matter. 
The disputed transaction is as follows : - Transaction Date : XX/XX/XXXX - Transaction Amount : {$350.00} - Transaction Description : Purchase Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX -Dispute ID : XXXX I am aware that the FCRA, under Section 611, grants consumers the right to dispute inaccurate information on their credit reports, including transactions on their accounts. Therefore, I am formally disputing the accuracy of the aforementioned transaction and requesting a thorough investigation in compliance with the FCRA 's requirements. 
I have enclosed copies of relevant documentation in previous emails that support my claim of the disputed transaction. I am also aware of the FCRA 's provisions under Section 623, which require accurate investigation and prompt resolution of such disputes.

In accordance with the FCRA, I am requesting the following actions : 1. A comprehensive investigation into the disputed transaction.

2. Prompt correction of any inaccuracies found in my account records.

3. A corrected account statement reflecting the accurate transaction history.

Furthermore, I expect written confirmation of the resolution and correction, as required by the FCRA 's provisions regarding consumer notifications. 
Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation from my end. I am fully committed to cooperating in the dispute resolution process in compliance with the FCRA.Thank you for your prompt attention to this matter and for upholding the standards set by the FCRA. I am confident that we can work together to ensure an accurate resolution of this dispute. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
When I took out my Navy Federal Home Equity Loan, was informed they would waive all closing costs if I kept the loan for 2 years. It's been in excess of 3 years and I called to get a pay off, and they are charging me for a fee to file the satisfaction of the debt and stating they are not overcharging. I found online with OC Recorders Office, they charge {$20.00} and Navy Federal, although they never stated they would be charging for filing a fee for satisfaction of the debt, they are charging {$85.00}. Full disclosure was never done here on this and I dispute the amount - I have a document that shows {$20.00} that I have forwarded to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
At XXXX on XXXX I received an email from XXXX saying I had opened a new Truist Confidence Account, Truist One Savings, Debit Card and Digital Banking XXXX 

At the same time I received a second email stating the following : Hello [ similar but wrong name ], Thanks for enrolling in Truist Online Banking. You've taken the first step toward managing your finances- anywhere, anytime. 

A user ID was created and associated with your account ( s ) on : Date : XX/XX/2023 Time : XXXXXXXX XXXX ET If you or an authorized user made this change, no further action is required. 

If you don't recognize this change, please call us at XXXX. 

I called that number at XXXX. I said I dont have an account and asked if they could look up the account by email and I said no. They asked for my full social and I said no and they hung up on me. 

I received a third email Hello [ similar but wrong name ],, To start personalizing your debit card, just visit https : /XXXX  and enter the design code [ xxxxxx ] along with any other information requested.

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