BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I logged into my Amazon store card account, managed by Synchrony bank. I needed to change the amount of my auto-payment but the site only gives you the option to cancel and then re-enroll with a new amount. I proceeded to cancel my autopay amount that was set to pay XXXX on the due date of each month. I received an email that confirmed the cancellation had been processed and as long as the date of cancellation was not less than 5 before the due date, the payment would not be processed. My due date was XX/XX/XXXX, greater than 5 days. The email also stated that I can re-enroll in autopayment at anytime. 
I then went back into my credit card account and re-enrolled in autopay and set the payment amount to XXXX. I received another confirmation stating that my new payment amount had been processed and would be deducted on the due date. 
On XX/XX/XXXX, XXXX deducted from my account. 
I noticed the amount debited from my bank account was twice what I expected, so on XX/XX/XXXX, I reached out to Synchrony Bank 's customer service via live chat and was informed by a representative that if someone cancels autopay and THEN re-enrolls, the system would debit the amount PREVIOUSLY cancelled -- and NOT honor the new amount that was just entered. This was NOT communicated to me in either email, nor is it a conscionable practice considering it is not possible to simply change the amount of the autopayment, you MUST cancel and re-enroll, so these details should be communicated. Additionally, the fact that the initial cancellation confirmation mentioned re-enrolling in auto-pay but did not mention this very important bit of information concerning the amounts is very deceptive, as is the fact that the representative noted that it is a " known issue '' they are working to resolve -- known issues should be communicated clearly to consumers.

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 2020-09-25
Company: Experian Information Solutions Inc.
State: MS
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:
i notice inaccurate and incomplete items on my account from XXXX, XXXX, AND EXPERIAN  and sent them dispute letters regarding the negative items they are reporting on XXXXi haven't gotten any response thus far with those companies and i also attached copies of the letters below.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: TN
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:
I have disputed this account that appears on my Experian and XXXX credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt.

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors.

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. 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 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-01-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account with {$2200.00} was frozen by Citibank. I was told it was frozen for check fraud reasons ( without providiing any further info ) and was mentioned that it will be resolved in 60 days. It's been 90 days now without any resolution and further info, they even are not taking account closure request and return my money. My {$2200.00} has been stuck with Citibank for the last 3 months without access. 

I reached out to them thrice without any resolution, everytime I had to wait more than 30~45minutes.

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 2017-11-04
Company: Experian Information Solutions 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:
I wrote and mailed a dispute letter to Experian delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Experian customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative also advised that although I requested a copy after the investigation they had not mailed a copy to me. I contact Experian again after only to be told again they would not delete the records again and they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Experian on several occasions, being denied on multiple occasions, my next step is to start litigation against them.

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 2019-04-17
Company: Tower Loan of Mississippi, Inc.
State: AL
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:
Tower Loan of XXXX, AL reported a hard inquiry on my credit report in XXXX of XXXX. I reached out to them the same week and spoke with a representative who told me to report it to the credit bureaus and that should have it removed seeing I have not applied for a loan with them in years. I did as she encouraged me to do so and they still have not removed it 4 months later. I explained to her that I am in the process of repairing my credit to buy a house and do not need unauthorized hits on my credit. She said that she understood, but the situation has yet to be fixed. I have NOT been in that establishment since XXXX and have not spoken with them either to authorize a loan. I have attempted to reach out to the company and instead of fixing their mistake immediately, they have refused to remove it. It seems as if you ever get a loan with them, they will continue to put an inquiry on your report for years to come! Although they have been paid in full, and you have no business with them!!!! Beware!!!

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 2022-03-09
Company: EQUIFAX, INC.
State: NJ
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:
I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report.The reports shows debt of $ XXXX.To XXXX XXXX.contact Erc collectionsXXXX.I call.onXX/XX/XXXX.Noone can find acct.I say not mine.XXXX ( agent ) says email state Id & ss card to ERCBPO.COM.XX/XX/XXXX XXXX XXXX/o pres.replies : acct.temp closed while we investigate.I gave my address, phone, ssn to XXXX.Address for bill is XXXX XXXX XXXX XXXX.XXXX  tx.I never lived there.Ive been in contact with XXXX XXXX, Executive Director XXXX.His asst.Mr.XXXX could not find an acct for me at that address XXXX XXXX XXXX XXXX.He 's mailing me proof & fraud alert.Now XXXX wants me to fill out a " fraud packet '' of notarized paperwork & proof of addresses where I lived at. The bill XXXX & ERC says I owe was XX/XX/XXXX-XX/XX/XXXX.I say I have Ok.State ID since XX/XX/XXXXand voter ID.XXXX.No, they say they want bank statements with addresses & my recent photo id.I gave collection agencyrecent photo id & SSN card.by email.Im feel uncomfortable sending bank statements.I made Identity fraud alerts with the credit reporting agencies.I filed a identity theft report.When Ms XXXX  put temp stop on collections I don't owe, it came off my report somehow.but lady at XXXX Fraud dept says if I don't do all that is in XXXX Fraud Packet and get it notarized it will be back on report.I gave my id already.Im XXXX.Im walking up and down hills a mile to the library for a debt I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX SYNCB : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/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 2022-03-09
Company: EQUIFAX, INC.
State: NY
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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand these accounts be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions Inc.
State: WA
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:
on or around last month i mailed experian the letter from XXXX XXXX XXXX  regarding a paided collection on my file acct. number XXXX ... ..the letter stated from the company stated paided in full. to this day it has not been updated and removed from my file.. also account XXXX from XXXX is not updated as in balance and last payment ..and also incorrect as far as late payments..no late should be 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 explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
One of the addresses listed under " associated addresses '' is incorrect. I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I sent an email requesting a change but did not receive a reply. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2021-10-21
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BRIDGECREST CREDIT CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
BRIDGECREST CREDIT C ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off BRIDGECREST ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off

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 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For background, please refer tp complaint # XXXX. The company responded with their same old information I have been battling for almost 2 years since XXXX of XXXX. I have requested, many times, and explanation of how they arrived at my owing them {$650.00} and change. They are accusing me of missing a payment, which I have not and can prove. I would like to know 1 ) the month I missed a payment and I would like to know 2 ) how they arrived at this amount of {$650.00} they say I owe. As I previously submitted a spreadsheet to you ( and to them ), I think I only owe {$250.00} and have offered this amount as a settlement. They do not respond to any of these questions I have asked by letter or by message. Can you help me? I am uploading their response to the previous complaint. It's like they never had heard from me before. I got a letter dated XX/XX/XXXX asking for details of my request, which I have sent several times already. 

Can we make them reply to you instead? My mortgage should be paid off in XXXX of XXXX and I fear they will make me pay the extra amount to get clear title. I have XXXX and can not handle this any more.

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 2019-08-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
No need to send these details to Huntington as I have already tired to resolve the issue with them to no avail. 

I recently opened a Money Market Account with Huntington Bank, XXXX XXXX XXXX, XXXX XXXX, OH. Within 6 weeks of opening the account, I noticed Huntington had listed my Money Market Account as OD protection for my granddaughter 's debit card without my knowledge or consent about the same time as she had overdrawn her account. To make matters worse, Huntington credited her account with {$100.00} of my money when she had only overdrawn the account by approximately {$20.00}. I guess Huntington would have continued to deplete my Money Market Account to satisfy my granddaughter 's debit card until my account was empty if I had not noticed. 

Since when do banks have the authority to do what they want with our money? This is fraudulent and very scary.

Company response to consumer: Closed with monetary relief