BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We claimed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, we applied for and were approved for a Synchrony Home card of {$3500.00} to be used for home repair. We used the card a couple of times to purchase flooring on a zero interest plan. Every payment was made on time or early and the account was fully paid in XX/XX/XXXX. In early XX/XX/XXXX, I received an email that we were issued new cards to be activated. I received the cards in late XX/XX/XXXXand when I called to activate them, I was told that Synchrony closed my account. I have read my cardmember agreement and understand that my card can be closed at any time. Considering that I have a perfect credit history with Synchrony and in general ( 0 lates in the last 4 years on anything ) I asked the representative if I could have my account reviewed for reinstatement. She connected me to a supervisor that said she would submit a complaint to the complaint department but could help me no further and to follow up with them. On XX/XX/XXXX, I called again and asked to be transferred to the complaint department. The representative instead transferred me to a supervisor who would not transfer me to the complaint department. I explained the situation again, and the supervisor would not transfer me and simply stated that they reserve the right to close my account for any reason at any time. It appears that Synchrony does not want to do business with me for some unknown reason, and I grudgingly accept that. However, taking the human element out of account review and closing my account has significantly damaged my credit score that I have been working so hard to repair.

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 2023-01-09
Company: Comerica
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in my name and address with Comerica Bank. I received XXXX statements with a XXXX balance. Knowing I had not tried to open any bank accounts I thought it was a mistake but when I received a second statement still with a XXXX balance, I called Comerica and the rep, XXXX, told me it was opened on XX/XX/22 and closed on XX/XX/22 after they discovered it was a fraud attempt. They suggested I report the fraud incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Debt Recovery Solutions, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX XXXX XXXXXXXX XXXX XXXX  that needs your help against XXXX XXXX XXXXXXXX, who conducted an illegal XXXX interest rate transaction, then sold this illegal transaction to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, file # XXXX, Who the sold this illegal XXXX  interest rate account to XXXX XXXX XXXX Debt Recovery SolutionsXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX. 
Several illegal usury lawsuits were filed against many of these payday lenders and others in XXXX  by various state attorney generals. I paid these people $ over {$2600.00} in XXXX  over a {$2600.00} they still say that I owe them {$4300.00} Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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 non-monetary relief
Consumer complaint received 2018-11-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX we purchased a timeshare with XXXX XXXX. XXXX XXXX gave us a credit card with a credit limit of {$1600.00}. I never activated the credit card neither I used it. It took a year of dispute dispute with XXXX to cacelled the contract. 

I XX/XX/XXXX, I sent a written letter to XXXX XXXX requesting a credit on the amount of {$1600.00}. The company requested proved of the cancelled contract from XXXX which I did, however on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were unable to issue a credit on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a vehicle in XX/XX/XXXX for a term of 72 payments. I have been paying an additional {$60.00} each month in an effort to reduce the length of my loan from XXXX to 60 months and, most importantly, reduce the amount of interest incurring during the loan life. XXXX of XXXX, Hyundai retroactively changed all of my principal payments to be reflected as " pre-payment '' instead of payment on principal, thereby allowing them to charge the maximum amount of interest, rather than pay interest on only the principal. This is how compound interest works. Hence, my attempt to reduce the principal balance as quickly as possible. I have been calling once a week since XXXX to have these adjustments the applied to my account without my authorization corrected. Ive spoken to customer service reps, supervisors, their supervisors, and their supervisors. Everyone says they will have it corrected in 3 days, only to further complicate the situation. I've requested call backs from supervisors with no return phone calls, I've been hung up on, and have been placed on hold for hours at a time. My payment history online makes zero sense and reflects no payments due months, wrong payment amounts, {$60.00}, {$120.00}, XXXX, XXXX, XXXX ... I can not tell my current balance, and I have zero confidence that my interest has been calculated correctly XXXX certainly resulting in a profit on their end and overpayment on mine ). I feel I have been overcharged, payments have not been reflected correctly since XXXX of XXXX ( or at all ), and I feel very taken advantage of. I've attempted many times to have these issues corrected, I have requested that my payments be reflected correctly online and, in my statements, to verify accuracy. In fact, my account currently reflects that I owe a balance in XXXX of {$100.00}. This indicates that a {$300.00} prepayment continues to be reflect in my XXXX statement. As I have requested months, there are NO prepayments, ONLY principal payments to effectively reduce the principle.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I been told that i will receive bonus deposit of XXXX dollars if i open the account but instead they took all my deposit amount of XXXX dollars from the bank account

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 2021-11-03
Company: WELLS FARGO & COMPANY
State: NJ
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:
Dear CFPB, I am reaching out to you, the U.S. government agency that makes sure banks, lenders, and other financial companies treat consumers fairly, after communicating with Wells Fargo Bank N.A. ( Wells Fargo ) as instructed and required under Regulation Z did not resolve the issues.

In regards to 12 CFR Part 1026, Truth in Lending ( Regulation Z ) : Part 1026, Section 1026.12 ( c ) Special Credit Card Provisions [ Section 1026.12 ( c ) ], Wells Fargo is in non-compliance by not fulfilling its obligations under such regulations. Further, based on Wells Fargo 's response, it appears that I was not treated fairly. With your assistance, I am seeking a satisfactory resolution.

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 2019-06-01
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Ever since the renewal date of my XXXX XXXX Card in XX/XX/2018, I've lost all benefits that's advertised on the card including Free first checked bag, 10 % points back rebate, and other benefits. I've contacted Barclays by phone and secured message MULTIPLE TIMES in the past three months and they recognize the linkage error but blame it on XXXX. I've also spoken with XXXX even going as far as doing a conference call with Barclays together, and every time they said they'll fix it nothing has been done. Basically Barclays is supposed to pass the information to XXXX but Barclays never updated the system for me. I've lost many points back rebate due to this and had to pay baggage fee multiple times with me and my companions.

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 2019-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

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 2023-08-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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 2023-06-08
Company: EQUIFAX, INC.
State: NV
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They failed to provide me with any documentation bearing my signature, showing the account is being reported accurately or any copies of HIPAA authorization. An itemized document was send to me that does not match any amount billed for my hospital visit and even the name of the supposed original creditor was misspelled I have also verified with the hospital that my account is current and in good standing. I feel as though several violations have occurred here : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Given all the complaints on XXXX about this company, this appears to be a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
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 received an unauthorized inquiry on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent Experian, XX/XX/XXXX, and Experian each certified letters in the mail on XX/XX/2020 and XX/XX/2020 to please remove some hard inquiries that I saw on my credit report but do not recognize these hard inquiries. I did not authorize for these hard inquiries amongst my credit and this has been bringing down my credit score. I would like for these inquiries to be removed respectfully, as this is affecting my credit score and impacting me from elevating my credit score and life.

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 2020-12-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: LA
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 is 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.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 non-monetary relief
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: WI
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:
Filed a dispute with Equifax they claimed to have done a investigation and found that company XXXX XXXX has complied with all FCRA requirements. 

Asked Equifax and XXXX XXXX  for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have in my history credict hard inquires from capital one i call them and they take my information and see one credit card that is all ready close and payoff not due but in my history credict i still have this hard inquires from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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