BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding the Amazon Store Credit Card from Synchrony Bank. 

This card offers 5 % credit for all purchases from Amazon.com. However sometimes on check out you will see under 'Payment Method ' in small green writing the phrase : " 6 equal monthly payments '' This happens randomly and there is no way set Amazon defaults so the '6 equal monthly payments ' are not offered. If you continue with the purchase using the Synchrony card - ( and this is nowhere documented by Amazon or Synchrony ) -- you will not get the promised 5 % credit. 

Synchrony considers the '6 equal monthly payments ' a 'promotion ' and it doesn't apply the 5 % credit to such promotions. However I had no desire for ( nor did I ask for ) such promotions. I only discovered this when see the discrepancy between actual and expected 5 % credits. It was hard to track down -- as the promotion is not uniform. 

Synchrony offered no satisfaction or compensation when contacted via on-line chat. It was only during the chat that I discovered the reason for the missing 5 % cash back. 

Looking over my transactions with Synchrony -- I estimate that I've lost between {$50.00} and {$100.00} in 5 % credits due to Synchrony applying this unwanted 'promotion ' to Amazon.com purchases.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 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 2023-06-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act ( XXXX Account # XXXX ), ( XXXX XXXX  Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX ) has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX  XXXX XXXX XXXX XXXX -- IDENTITY XXXX XXXX XXXX  XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of 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 explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-11-28
Company: CITIBANK, N.A.
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:
Ive tried numerous times to contact Citi Bank XXXX XXXX XXXX account # ending XXXX & Citi Bank Diamond Preferred Card account # ending XXXX with my XXXX XXXX XXXX who is the legal authorized owner of these 2 cards so this wont be an inconvenience & affect me because they keep reporting to all 3 credit bureaus that I am the owner of these credit cards. We both have talked to them to try to come to a resolution with this very sensitive information & there hasnt been a proactive action in behalf of CITI BANK!! NOT PROFESSIONAL AT ALL!! Ive also sent out his card statements to the bureau with legal documentation & also nothing has been done because they keep saying Citi Bank keeps reporting that i am the authorized user. The only thing Ive done is help my father make his credit card payments through my accounts because he is XXXX  and has financial difficulties according to his fixed retirement income. If I am helping him at times make payments and thats not my account why they keep reporting & verifying as they say that those credit cards accounts are mine? Why? I dont understand. I am reaching out concerned about how they are handling sensitive information. How about if I wasnt his son? Or if it happens to someone else? They proactively are quick to report but not proactively in helping me resolve this major problem. Thats my reason for reaching out to you all so this wont happen to anyone else. I am willing to show any legal documentation that you need in order to be proactive and move forward to solve this problem!!

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. The bank made an error when recording the payment. They are aware of the issue & have agreed to update to paying as agreed never 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 explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: NY
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:
My Citicard XXXX card had repeated fraudulent charges from XXXX. 

They reversed them and gave me a new card number. XXXX then charged the new card number. 

Finally, I closed out the entire card with the fraud department. I paid off the entire bill except for the fraud charges. However, despite the card being closed because these charges were fraudulent ... and despite XXXX phone calls, XXXX chats, XXXX emails, XXXX faxes, and XXXX snail mails, Citicard is still billing me for the fraudulent charges ( with interest ). 

I am unable to find anyone at Citicard, in any department, through any form of communication, who is able to fix this. Every time I'm told it will be taken care of, then the next month I get another bill with more interest and fees. 

We are literally talking about a total of XXXX here -- not a lot -- but I'm not paying fraudulent charges, nor should I have to be.

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 2022-11-17
Company: Experian Information Solutions 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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 2023-11-21
Company: Payfare International Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the XXXX XXXX  card customer support to file unauthorized transactions on two separate occasions now both times I will talk to very rudely and then hung up on after being told that they can't file these unauthorized transactions or anything they have no idea what they're doing and they provide no customer support whatsoever so I have a bunch of charges on my account to XXXX XXXX XXXX and to XXXX XXXX XXXX  so with XXXX XXXX XXXX  it's a online sweepstakes legal here in my state what happened is I kept getting solicited to play the sweepstakes and I did I made the purchases on there for the coins what not well last night I won over {$2000.00} and I went to cash it out and at first it looked like it was going good but then later on when I tried to login my account was terminated and I tried contacting support and they just gave me the runaround and now they will not communicate back with me so I was trying to file a dispute for these charges because I didn't receive the services actually I lost everything and this is when XXXX XXXX just absolutely hung up on me I actually filed an unauthorized charged last week for the XXXX XXXX XXXX those ones I didn't even make I have no idea who they are and immediately after I filed the dispute they came back on and told me that I was not going to receive any money back and again just hung up on me when I said no you guys under regulation e you have to at least attempt to investigate this they are the most unprofessional rude people I've ever met and I can not I will never do business with them again there's about {$400.00} worth of charges on my account from the XXXX XXXX XXXX and another {$75.00} from the XXXX XXXX XXXX I need all of that money returned I did not receive anything for it if anything I lost several thousand dollars to these to this sweepstakes paper needs to make this right and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2023-12-05
Company: Synovus Bank
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay my balance off well before the due date every month via phone because it is the fastest and I save {$10.00} processing fee they charge. 
On XX/XX/XXXX  at XXXX I paid full balance {$190.00} via my checking account. Confirmation # XXXX it was taken out of my XXXX XXXX XXXX account at XXXX on XX/XX/, transaction # XXXX. 
As of today XX/XX/23 XXXX First Progress has not updated my account or made those funds available. Why do they need to hold these funds. They have cleared, in their possession and have no previous incidents of non payment etc to be punitive. I was those funds available asap and to be reported as a positive full balance payoff to the 3 credit report agencies immediately

Company response to consumer: Closed with explanation