BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( 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 2022-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 ; 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 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 2020-07-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Synchrony Bank ( Care Credit ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have actually had a XXXX balance on this card for a year. When I called they said that they closed my account for non use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called XXXX. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX   balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.

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 2022-11-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have opened an account with Citi Bank and deposit {$200000.00} into the account on XX/XX/2022. According to their advertisement, the funds only need to stay in the account for XXXX XXXX  and they will have a promotional bonus credit of {$1500.00} credit into the account ; However, after XXXX XXXX the fund was not credit into my account. When I contact Citi Bank through online chat, they told me it will be credit into my account on XX/XX/2022 which needs another XXXX XXXX ( they did not mention on their advertisement ). As of today, XX/XX/2022 I still did not receive the promotion bonus, when I contact Citi Bank, they stated the funds was delayed due to technical issue. They did not provide an explanation or when the fund will be credit into my 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 explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
TRANSUNION IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX XXXXXXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT TRANSUNION. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX  XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.

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 2023-08-03
Company: ROBINHOOD MARKETS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a transfer using XXXX on XX/XX/2023 that failed but was taken out of my account. I contacted XXXX and they stated that because theyre a payment transfer company and they dont hold funds, I needed to file a dispute with my bank. I did that on XX/XX/2023. On XX/XX/2023, XXXX attempted to refund me and the transaction was decline by XXXX. Ive asked the support team twice why it was declined which would have shortened the 90 day time frame they keep telling me about. They refuse to answer why the transaction was declined and instead keeping trying to explain it can take up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: U.S. BANCORP
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I filed complaint about this matter with case # XXXX. I received response from US bank. This response is not telling me anything about where the money is. It only explains the process. Only thing they mentioned is that they did not find any error. If there is no error, why recipient bank did not received the fund? Who will trace the money? I used US bank for this service and paid fee for it. Is it not their responsibility to trace and find where the money is? Do I have any right to know what happened to that transaction?

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 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter out on XX/XX/XXXX to Experian. 
Here is my tracking number : XXXX. However, the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they ( Experian ) talk to? 

How did they complete this investigation?

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 2023-08-03
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have dispute on Sin number and trying to resolve with equifax XXXX. I have submitted 3 tickets so far but instead of resolving my dispute they are midleading and misguiding me. I have spoke to many customer service agents and everytime they hang up or ask me to wait for few business days for update. I tried to contact supervisor but that never helps. Because of this problem, no financial institute is offering any credit cards to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX TEXAS, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX XXXX BANK XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid , Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$10000.00} written

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-08-03
Company: Chime Financial Inc
State: AZ
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:
Hi I have numerous emails going back and forth with chime XXXX bank regarding the credit builder account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: MEGASTAR FINANCIAL CORP
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 an unauthorized automatic payment was taken out by the company. As this payment was an excess they applied it to the following month. Upon the discovery of this unauthorized payment, I called Megastar to complaint of this payment. I was told they could not reverse the charge but would need to issue a check. I was issued a check for XXXX ( The amount of the unauthorized payment. ) I was not paid the overdraft fees that I was charge for debits that came out when I was not aware of this payment. 
On XX/XX/XXXX I cashed the check for XXXX that Megastar sent. I received a notice from my credit union 1 week later that the check had a stop payment. I was assessed a XXXX dollar stop payment fee. 
I called Megastar 's customer service number and was told that they had no record of the stop payment and asked for me to send in the credit union notice. This notice was submitted to Megastar. 
They continue to say that the check was cashed even thou they have the letter from the credit union showing the payment had a stop payment. The escalation 's department said they were looking into it as the credit union letter shows they stopped payment but their cash office says the check was cashed. 
I contacted the corp. office and was told it was a problem with the payment process company they contract with and they kept telling them that the check was cashed. The corp office could see the submitted letter from the credit union showing stop payment and fee attached for the stop payment that i was assessed. 
I have been told many times from the customer service department that a supervisor would call me to talk about this but none will call. 
We are approaching 4 months since this happened and we are no closer to resolving this dispute and the megastar financial corp office says it is the problem the payment processor needs to fix, however they should be responsible for the payment as the loan server.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: CL Holdings LLC
State: TX
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:
Jefferson Capital Systems is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
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:
I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XX/XX/2013

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 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-04-23
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2022-07-27
Company: Experian Information Solutions Inc.
State: OK
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 XXXX i had the credit bureaus to do an investigation of verification and they all said the accounts were verified, but later i got my credit report and i found out it wasnt and it have alot of inaccuracies. These are the accounts in dispute : XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act acc #, has violated my rights.

15 U.S.C 1681 section 602A states i have the right to privacy. 
15 U.S.C. 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

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