BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I reached out to Synchrony bank pertaining to my overall accounts : Sams credit card, XXXX XXXX, Ashley Home card. I finally had a representative update my credit utilization to display accurately during the month of XXXX. After this discussion my utilization was showing 65 % which was inaccurate. I then seen my XXXX report was showing improvement after my score dropped across all three bureaus for at least XXXX points. Today, I received a notification on XXXX that I had an increase in utilization of 57 % for my XXXX XXXX  card which was a balance at beginning of month of less than {$1000.00} with limit of {$2200.00}. In which I made a payment of balance to keep utilizing low below 30 % on the XX/XX/XXXX and several others ensuring I wasnt late then another payment for same month XX/XX/XXXX for remaining balance that populated on the XX/XX/XXXX to ensure reporting by the XXXX was accurate and not reflecting negative to my credit utilization. I immediately contacted Synchrony again and the representative stated after speaking with her manager that they only reported for XXXX but confirmed reporting is sent on the XXXX and the payment I made wasnt applied yet which is 7 days afterwards. Consequently the company placed a hold on my payment that was released by XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card dashboard on XX/XX/XXXX with a balance of XXXX. Ultimately the reporting for today should reflect 0 % utilization. The representative stated she understands but they reported XXXX not XXXX but in actuality it was already posted for XXXX in which you will see in my credit report that I disputed the utilization errors initially and was thankful I was sending this be resolved. Now I am seeing intentional treatment to fraudulent report accounting for my consumer account to credit bureaus to display me as a unworthy candidate for credit or authorization of it entirely. I am aware of reporting in arrears but not willing to have a creditor take my payment then hold it even when it was processed through the bank. That is intentional to undermine my credit worthiness

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 2023-07-27
Company: Experian Information Solutions Inc.
State: OH
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'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 2023-09-07
Company: Conduent Incorporated
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I worked for XXXX XXXX from XXXX - XXXX. While there I contributed to a Healthcare Spending Account in Benefits Wallet. 

I recently became aware through a tax form that I still had a balance in that account - unbeknownst to me. I have for months now tried to contact Benefits Wallet to get access to these funds and have suffered through what i believe to be intentional impediments to delay their clients from accessing their funds. 

1 - Terribly long hold times - their customer service hold times are 20+ minutes- thus dissuading me and likely others like me from getting the support they need to use their HSA 2 - Maintenance Fees - They have been charging monthly maintenance fees all this time equivalent to 5-6 % of the account balance 3 - Although they had my mailing address- they never sent a message noting that my account is accruing fees and hasn't been used. Shame on them. They're earning interest from using my funds for 3 years AND on top are charging a maintenance fee.

Their business practices need to be scrutinized. As I type this I'm on hold ( XXXX XXXX  so far ) - trying to get access to my account - apparently since the account was setup with my XXXX XXXX work email and phone ( which i no longer have access to )- i have to jump through months of hoops to get access to my funds. 

This is a scam- they have XXXX incentive to help me and others like me and it shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have direct deposit through cash app. My paycheck was deposited this morning and the service worked fine until around lunchtime today ( XXXXXXXX  ). Now the site is completely crashed ( app also ) and there has been no communication from cash app to its customers. There are potentially billions of dollars that they have charge of and they wont even answer the phone. Its all I have and Im really worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made my deposit of {$5800.00} through the app since I dont have a local branch in my state on XXXX XX/XX/2023 around XXXX after work. Deposits were accepted, then around XXXX on XXXX XX/XX/2023 my accounts were closed without notice. Ive called numerous times on XXXX XX/XX/XXXX from XXXX to XXXX, from numerous corporate offices, customer support lines, and theft prevention. I finally spoke to XXXX from loss and theft prevention department after being referred from a Citibank atm out of state and was told my deposits were deemed invalid even though they were money orders purchased the day prior. I asked about my deposits and the money already in my account and was told it would be mailed in XXXX days. I called today XXXX XX/XX/XXXX because that time has elapsed and no representative will help me without the account number to a now nonexistent account. I couldnt be helped because of their mistake and now invalid banking information. This has now put me in an unnecessary financial bind and XXXX customer support, theft prevention department and corporate offices refuse to help, listen or act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Calling at XXXX in the morning. My health clubs address is in Arizona. My billing address is in Arizona. Any reasonable person would conclude that I live in arizona, and thus in Arizona Standard Timezone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/2022 In accordance with the Fair Credit Reporting act XXXX Account, 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. 

I have reached out numerous of times, sent in letters to have the information verified and there's still inaccurate information on my report after being told it would be fixed.

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 2023-09-08
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several times in the month of XXXX Discover called my cell phone back to back times daily each week. Even called outside of normal collection time hours per XXXX time zone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Round 1*** My 1st case was decided in my favor after reporting 2 unauthorized transactions, but I was never reimbursed for the fraudulent funds transfer. 
( ( Case : XXXX ) ) Transaction ID : XXXX Amount : {$100.00} Transaction Date : XX/XX/2023 Transaction ID : XXXX Amount : {$1200.00} Transaction Date : XX/XX/2023 I then contacted PayPal 's support team via Phone and was told they were having " technical issues '' and apologized about me not being refunded. An agent explained the reason I might of not been reimbursed yet is because the system may have not added the transactions to the unauthorized transaction claim. ( How is that even possible? ) The agent then asked me for permission to and I quote " ..initiate a new claim to get your funds back to you. '' I said absolutely, I will put it in writing and I sent it via email with the agents initials attached. 

Round 2*** A new unauthorized transaction claim was filed on my behalf. ( ( Case : XXXX ) ) This case was later closed NOT in my favor. Here 's the case response : " Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' I would like to appeal this decision. I would also like to add that I am looking into contacting the CFPB, XXXX, Attorney Advice, as well XXXX. 

I ask that you remedy this situation as soon as you can. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about XXXX XXXXXXXX XXXX and Experian Credit Bureau. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2020 and the next is dated XXXX XXXX. 

Because I did not apply for credit with XXXX  XXXX XXXX, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, TX XXXX. The address attached to the inquiry. 

Please launch an investigation into XXXX  XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX  XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

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 2023-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I got a notification from XXXX which I pay for that Sunrise Credit Services placed a account in collections from XXXX stating the original debt is {$1000.00} and the current balance is {$1000.00}. I called Sunrise Credit Services today and was told they could not pull up any information on me, so then I was transferred to another dept which I stayed on the phone waiting for someone to come the line to assist me for XXXX minutes and no one came to the line. I was asked to wait while they look for someone and the last thing I was told was they couldn't find anyone to help me. I told the representative that couldn't find any information with my social security number that I haven't had XXXX XXXX  and if they had tried to reach out to me I would've provided them with that information before sending it to all three credit bureaus. Below is the previous complaint I filled for the same debt but different amounts. I don't know if this company is using another name or the debt keep being sold. 

XXXX XXXX XXXX is reporting a debt owed to XXXX that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. I also told her that I never received anything from them to give them this information before they sent this to the XXXX XXXX XXXX XXXX. I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. They are reporting inaccurate information 1. Owner of Debt 2. Amount they said they had on file and the amount reporting to XXXX 3. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX  Original Lender XXXX XXXX Agency Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXXXXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: WI
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:
I have contacted Experian, XXXX and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: ACIMA CREDIT, LLC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A creditor may not treat a payment on a credit card and reopens the consumer credit plan as labor for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX ( B ) XXXX ( C ) XXXX ( D ) XXXX ( XXXX ) XXXX ( F ) XXXX ( G ) XXXX ( H ) XXXX ( I ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to get into my equifax account via email and phone but since I can not answer the question asked about loans I Mmmm someone tried to obtain during covid in my social or name it does not let me get to a live agent. Ive mailed a letter as well with no success. This could be why my credit is suffering and I can not get any type of loan or dispute what means not me.

Company response to consumer: Closed with explanation