BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello! I have an Ashley furniture companys credit card by synchrony. They have charged me {$1300.00} on my XXXX bill. Saying its 29.99 % interest for the whole amount then charged me additional interest of {$100.00} on my XXXX statement which I was told by the rep 2.4 % per month. So despite charging me the whole 29.99 % which is basically a 12 month interest they still kept charging me {$100.00} every month that is too much interest. They are driving people more to debt specially the way they do it. The agent I spoke too said I cant do anything about it because that is how they do their business. I wasnt aware and was very surprised. This store credit card has a very bad way of doing its business. I think it should be reported to you. You should not allow them to offer credit cards to their future customers this customers will be in debt because of this credit card company. I wanted to dispute this and to let everybody know not to get Ashleys furniture credit card or you will be in debt after their promotion. Before I got this credit card I was not even told about the way they do the promotions and the interest. I really am very disappointed I can say I probably will not be a future customer anymore including my family. I really like them but the way they do their credit card business is not right. I have a lot of store credit cards and that is why I am loyal to them but this is so far the first store credit card company that does its business this way. I think it is very unfair to do this. I hope you Guys can talk to them and have them stop their way of business.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I submitted a complaint with you - XXXX - I forgot to add my trans union credit report at the time. I would like to add it so that you can see what was on my credit at the time of a 35 point drop ( XX/XX/2020 ) I have since got a collection account that I paid off - but that happened on XX/XX/XXXX - which dropped my score again. 
My score dropping on XX/XX/2020 - There was absolutely NO reason. Trans union says they do not see why it dropped but will not give the points back.

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 2020-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered via email a kitten plus shipping charges via the website XXXX on XX/XX/2020. I emailed to inquire a kitten to the email address provided and they responded with detailed information about the certain kitten. a few emails were exchanged and they even asked a multiple questions to learn how good we can take care of a pet so I really thought that they were pet loving people, not just doing this for money. It convinced me to adopt a kitten from them and when I told them, they asked to pay via XXXX money transfer. The name and the email was different than the website stated but I didn't question much because it's usually not their primary job. I sent the total of {$1400.00} via XXXX to the XXXX XXXX ( email : XXXX ) .The day that the kitten was supposed to come ( XX/XX/2020 ) from XXXX , Oklahoma XXXX LAX where I am, I was given with the tracking number and delivery website. XXXX : XXXX ( tracking number : XXXX ) However, I got a call and email at XXXX PST from the " delivery company '' that the kitten is on hold in Arizona due to needing anti-pressure vaccine, new crate and new insurance and asking {$1600.00} but it would be all refundable once the kitten is delivered. At this point, I got to question and contacted the seller via email and the I copied and pasted what they sent me and he said I should pay because they said it will be refunded.. I called the delivery company where it stated on the website and the email they sent me. The guy had an XXXX accent and sounded like who I was already and asked to pay. I told him I wouldn't be feeling comfortable paying {$1600.00} especially it has to be via XXXX  or XXXX. There was no credit card option. He became rude and hostile. He later declined my request for a refund, and even tried to scam me a further {$500.00}. I have also called my bank and they can not reverse the charge. A quick XXXX search found that this person has been pulling this identical scam under various aliases. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
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: Personal information incorrect

Complaint:
THERE ARE 2 PREVIOUS ADDRESSES THAT DO NOT BELONG TO ME

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 2017-09-15
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never owned this debt with XXXX  but even after requesting this third party and XXXX XXXX, they continuously harassed and put me in collections. I always paid my dues on date and ended my contract in good terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered a phone from XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and paid a sales tax of {$49.00}. I changed my mind and canceled. XX/XX/XXXX, they emailed me a return label and returned the brand new phone, never used and in its original Packet. They emailed me that they received the phone and refunded me {$48.00} tax which was paid during the phone order. Please look at the attached email dated XX/XX/XXXX, from XXXX XXXX XXXX. 

I sent these documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX about this issue before they send it to the collection. 

Please review all documents and remove my account from the collection. How can I be responsible for the phone I returned on time per their direction? 

Please help me and solve this problem. 

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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Information on my credit report that are not my items are listed

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 2019-03-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
MIDLAND FUNDING LLC has threaten to take legal action against me and when I told them should I get my lawyer involve they back out and told me no sir it's not necessary. The told my that the collection account was in a legal status in my local area. It was very abusive and I felt scared for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
I visited the American Express website on XX/XX/XXXX and was shown an offer to apply for the " American Express Platinum Card '' with an offer of earning 10x Membership Rewards points on applicable purchases at US Supermarkets and US Gas Stations as well as a XXXX Membership Rewards bonus after meeting a minimum spend requirement. On XX/XX/XXXX, I contacted their customer service ( both via website chat and by phone ) to inquire as to why I am not earning 10x Membership Rewards points as I should be. I was told that I would receive a call back by the end of the day which never came. On XX/XX/XXXX, I contacted customer service by phone and was told that, despite the website offering me the offer described above, that I would have to be " solicited '' for the offer via email or mail. The representative became defensive when I questioned why the offer would be shown to me on the website if it were not valid. I believe I was falsely advertised to and am entitled to both the 10x Membership Rewards earning rate and the XXXX Membership Reward sign up bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed upon Online for a Citi XXXX XXXX  Credit Card around XX/XX/2020 at the same time I requested 3 balance transfer one of which was XXXX for {$1000.00}. 
All three showed being transferred on XX/XX/2020. Two of them did make it to the other banks the XXXX did not and still has not but yet Citi has charged my account. I have spent hours on the phone with both Citi and XXXX and they keep pointing fingers at each other that the other one has my money. I have done disputes that were then cancelled and a letter sent to me by Citi that the problem has been resolved and I received my money and they closed the case, but yet I have not received my money. I have been hung up on by 3 separate employees of Citi, two. Of which were supervisors. I have requested phone numbers for someone other than customer service and that is all they will give me. I have asked for a compliance department and they do not know what I am talking about. The best I could get was an address in Delaware which I sent a letter but have not heard anything as of yet. With all the many phone calls, three way calls between Citi and XXXX this is going no where and I am out {$1000.00}. The only written documentation I have ever received from either company is a letter dropping the investigation and saying I have received my money. Citis business practices are such that I dont know who to go to next. Can someone get back to me and give me some directions. 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 monetary relief
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei

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 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Found fraudulent account related to my SSN but with a different Name and Address.

> Credit Cards ( 4 cards not mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX CAPITAL ONE BANK USA NA Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX/XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Personal Loan : ( 1 account note mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Other Accounts : ( 3 accounts note mine ) XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX All accounts reported to my SSN shows as CLOSE or PAID, but they are damaging my Credit Score and Reporting.

Not under my name and need to get removed by Creditors.

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. 

XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. 

A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. 

I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. 

After all of the claims were resolved, there was a remaining balance of XXXX on the account. 

on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. 

The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. 

Both of these payments were made as arranged and this account should not have been reported as delinquent. 

I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. 

Thanks,

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 2017-08-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX appeared on my credit report, today. I have not received any information from this company, a statement, who they are collecting for, nothing.

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 2020-11-03
Company: EQUIFAX, INC.
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:
I wish to file a legal complaint. Equifax credit bureau has illegally without federal trade commission approval contracted a company by the name of XXXX score that is utilizing Equifax data to do credit scoring on consumers. XXXX score are not one of the 3 national credit bureaus registered through United States Federal Trade Commission in Washington DC. 
I will not have this unknown company called XXXX score discriminating against me for my credit score. An unknown company called XXXX score not registered through Federal trade Commission continues to trash my credit report under the Equifax credit bureau licensing. 
In the past year since my eight-year-old bankruptcy I XXXX XXXX XXXX has worked extremely hard as XXXX to reestablish my credit. I refuse to allow this company licensed through Equifax and not licensed by federal trade commission. Whoever these vantage score people to rate my credit and to have any kind of processing on my credit report I demanded these people be pulled off whoever XXXX score is they have no LEGAL right to grade my credit and or credit score. I am also filing a FORMAL complaint because Equifax continues to discriminate against me by continuing to force a poor credit score on my credit file. 
if you would review my credit reports from XXXX and XXXX  you will come to a decision whereas Equifax has not and will not commit to practicing the unfair credit act laws My credit file listed at Equifax so deserves more than a XXXX-credit score and I demand that you and enforce Equifax to properly grant me the credit score I deserve. After reviewing my credit report and you will see that I deserve better than a XXXX. 

For the past 3 years, Equifax has managed in corruption with this unknown illegal company XXXX score that is not registered through Federal Trade Commission to illegally extort my credit file as well as my credit score. 
I am filing formal complaints asking federal trade commission in Washington DC to act, enforce its agency to cease and desist Equifax and whoever XXXX score is to no longer give a credit score or a credit rating on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Moving to pay off debt from apartments I lived in and had already paid half of the amount. The apartments told the debt collector to put my account on hold due to this. Now, I have fully paid off the amount of debt to the apartments and they said I was good to go. Today I get a call from the debt collector threatening to damage my credit because I didn't pay them correctly and now they are threatening to keep my private information and charge the amount on my card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
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:
I have contacted Equifax a few times to solve this issue and they have not solved this, i keep getting the runaround i need this fraudulent inquiry off my report i did not authorize lowes or anyone to apply for a credit card in my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
I'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Texas Guaranteed
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to report a student loan collection agency is not reporting on my credit report correctly. The agency name is TG Trellis. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the cares act they aren't suppose to report deliquency on non payment student loans. From XXXX XX/XX/XXXX. How ever they still are reporting. Even Though I contacted them by e-mail. They still refuse to correct this on credit report. 

The second mistake they are reporting is they delete my balance and then re-add it every month so it appears to look like a new account which does more damage to the score. Do the decrease balance of {$3200.00} and then add balance right back on. Likes like new deliquency.I ask then to correct and also reported to credit bureaus and corrections are not made. I would like an investigation in this matter please. My name is. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation