BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from Synchrony Bank, on behalf of Pay pal. I have contacted Pay Pal, Synchrony Bank on the purchase that was made with neither company having any record of that amount in all totaled purchases using PayPal. When I contacted XXXX XXXX XXXX after several times and a week later, one of XXXX customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to ERRONEOUS. 

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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX XXXX XXXX XXXX ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXXXXXX XXXX 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has violated the Truth and Lending Act section 101 ( a ) ( 2 ) by not notifying me 45 days in advanced of credit limit decrease. They sent notification on XX/XX/XXXX XXXX XXXX  and decreased my credit limit immediately by {$4000.00} causing damages to 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 non-monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2018-03-08
Company: Bread Financial Holdings, Inc.
State: NC
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:
Date : XX/XX/2017 Transaction Amount : {$95.00} Dispute Amount : {$95.00} Transaction ID : XXXX Dispute Case ID : XXXX {$95.00} was supposed to have been credited to my PayPal account because the merchandise stop working within 60 days and probably was not a brand new item. According to PayPal policy ten ( 10 ) days were given and the seller has not responded. In fact seller sent email requesting that I do not ever contact him again and that he would not contact PayPal either.

Thus, today the refund of {$95.00} should be placed back on my PayPal Credit account.

PayPal has a tendency to fail to refund consumers money and make the consumers wait much longer than originally told. 

Many products sold on XXXXPayPal or fakes and do not live up to expectation. 

This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
looked at my credit report there are a lot of names and locations not associate with 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A teller from the XXXX texas branch gave out a temperory credit card with my personal account numbers for my business on them. ( XX/XX/1922 ) i notified the office there when i was notified by the Pennsylvania branch that activied my account atm withdraws were happing in Texas with them knowing iam in XXXX at the time and just left office days earlier in PA as were were discussing business.i have filed complaints on the account. The teller who isssued my personal account numbers to a card without any knowledge cost my account XXXX and several overdrafts and i was forced to withdrawl all my money except a few XXXX because of fear it would be taken.i would never give anyone access to my personal account for my business and i had a balance at the time of XXXX a simple mistake by that teller giving out the wrong routing number and not making the complints to make it right and accepting resonbilbility has cost me money time and countless phonecalls to the instituation and staff of the bank.iam a publisher with SESACand have been with the bank for years. i think i should be able to trust they can make the right decision with my money. 
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 2022-01-25
Company: OneMain Finance Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXXXXXX on behalf of OneMain has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. XXXX XXXX XXXX is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXX in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against XXXX XXXX XXXXXXXX should be taken for their criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  refuse to send me any document bearing my signature

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 2018-02-11
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently opened a new account with Citibank online. On XX/XX/2018, I went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to make my opening deposit. I deposited {$1000.00} in to the newly opened checking account, and I inquired about getting a Direct Deposit form. The teller referred me to a personal banker by the name of XXXX XXXX. I saw a brochure about the CitiGold account, with a promotion of {$700.00} bonus for that type of account. When I sat with XXXX XXXX, I asked her about obtaining a Direct Deposit form and I wanted to get more information about the CitiGold savings bonus for the CitiGold account. She said, " Why would you want to do that? '' She then proceeded to ask, " Are you XXXX? What dialect do you speak? '' She then started speaking in XXXX, like I would understand her. " I said I speak XXXX ''. She made me feel as though I was XXXX  for asking about the CitiGold account, like I couldn't or wouldn't be eligible for the Savings average balance minimums. As a US Veteran, I've never felt so insulted in my life. I never asked for a translator. She began lecturing me about how my deposit would be on an extended hold. I asked why would it be when I deposited cash. She was deterring me from obtaining more information about the other products offered by the bank. Was it because I was XXXX and she assumed I didn't speak English? I ended up getting frustrated and just asked her for the Direct Deposit form and I left the bank. The whole ordeal has increased my social anxiety and XXXX because she embarrassed me in front of everyone that was an earshot away in the bank lobby. I went back to the branch a few days later and I spoke to the branch manager and she helped me. I just wanted someone else to know that behavior that was displayed by Personal Bankers, like XXXX XXXX is unacceptable. Although she is the same race as me, she shouldn't assume I don't speak English or that I couldn't afford the savings minimum for a CitiGold account or that I'm ignorant. I am a proud American, who has served his country in honor and to be treated that way is unfair, discriminatory, and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-02-11
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I have a joint account with my daughter on 2 XXXX XXXX credit cards ( one is Car Care and other is XXXX XXXX XXXX   ). I am the primary account holder. My daughter is filing bankruptcy and had to list these 2 on her debt. The company has closed the account which I understand. I want to try to keep my credit intact, so went online to make a payment and they have denied online access. I called Synchrony and explained that I was definitely paying the balances since I am responsible for the debt. They then informed me that they have considered the account charged off. Advised them I didn't want that -- I want to continue paying the amounts owed. They also said I no longer have a " due date '' because of this. I would have to mail in the payments to them from now on. Advised them I didn't have a statement, and they are refusing to send me statements! I told them so I have to continue to send in payments BLINDLY not knowing my balance, what I consider to be a " due date '', or how much of my payment is going to principal and how much to interest. I can call each month, but that gives me no WRITTEN documentation of payments, balances, interest/principal payments, etc. Would this not be a violation of the Fair Credit Bill Act which states that creditors must send statements? Does say within 14 days of due date and they are saying there is no longer a due date, but I feel this is still a violation of this Act.

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 2023-07-13
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: Account information incorrect

Complaint:
In XXXX of 2023 information on my account with XXXX XXXXXXXX is reporting late payments and it never was I would like it updated and removed from ever being 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 2022-08-17
Company: EQUIFAX, INC.
State: SC
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:
I am a natural person.I am a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violate my right numerous of times .I demand the accounts listed to be remove because According tp 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services XXXX. XXXX XXXX XXXX, NJ XXXX has been lying to me about them paying my property taxes since XXXX. They claimed they paid the property taxes on XX/XX/2020 with check number XXXX for the amount of XXXX. The tax office Main Office Phone : XXXX XXXX  XXXX Tax Department Phone : ( XXXX ) XXXX has been telling me since XX/XX/2020 no taxes has been paid. Phh Mortgage has increased my mortgage loan from {$530.00} mortgage loan and insurance to {$1900.00} to cover taxes they claim they have paid. I have continued to pay my regular loan payment but they will not post the payment to my account they keep lying to me and insisting I pay the XXXX for 18 months they have paid the property taxes. They have set up the website Phhmortgage.com where I can only pay the XXXX with no option to pay a different amount. I have to use my Bank bill paying service I get confirmation from my Bank but payments are not being posted to my mortgage. When I call Phh mortgage they received the payment but want XXXX is their I should pay for a mistake they have made this has been going on since XXXX with no response from PHH mortgage. Phh Mortgage don't sent out monthly statement email nor regular mail I complain about this all the time.

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 2022-12-10
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I ordered a XXXX vinyl garage with foundation kit for {$79.00} from XXXX On XXXX I logged a complaint with Comerica Bank because I received a cheap pair of socks instead of my garage. I researched XXXX  on web and found nothing but warnings about this company. Finally I reached XXXX XXXX with XXXX  who apologized and said she would correct item by sending new one tracking number XXXX and which courier claims order is lost. The courier ( XXXX  ) is a fake website and is XXXX. XXXX then says she checked with courier and yes it is lost on XX/XX/XXXX XXXX promised my refund that I still haven't received. Comerica Bank found XXXX favor stating I received my item I think they believe the delivery of the cheap socks was delivery of my item tracking number XXXX XXXX  and not the second supposed attempt to deliver my item number XXXX XXXX. They ignored all my evidence emails to and from XXXX, screenshots of tracking info, etc. I even provided the emails where XXXX agrees my item is lost and that she is refunding my money even though she has not. I'm a XXXX man who has been wronged by XXXX  and Comerica Bank. XXXX says on XX/XX/XXXX sorry big sales it will take a while. If you look online hundreds of other customers were done the very same way and never received a refund

Company response to consumer: Closed with explanation