BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. 
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by XXXX and Transunion. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. Transunion reports a closed date but XXXX does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute. 
4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " 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 2015-04-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX I requested my credit report. Letter dated XXXX XXXX requests additional information. I sent them colored copies of my driver 's license, Passport and social security card. In addition I sent them documents that state I paid XXXX accounts in settlement with XXXX account a charge off with a XXXX. What I received was inadequate. Equifax sent me a letter dated XXXX XXXX concerning verification of my name and address only. No mention of my documents sent to correct my credit report? Equifax is a XXXX company! 
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: MD
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:
INFORMATION ON MY EXPERIAN CREDT REPORT IS NOT CORRECT LONG DELAY 'S ON  CORRECTING SCORE CAUSING A NEGATIVE AFFECT ON MY CREDIT. XXXX CREDIT SCORE IS XXXX AND MY XXXX IS XXXX MYEXPERIAN   SCORE XXXX THIS HAS A NEGATIVE IMPACT ON MY SCORE. MY XXXX XXXX XXXX ACCOUNT IS XXXX. THIS IS A 48 POINT DIFFERENCE ON MY XXXX   REPORT AND 61 POINT DIFFERENCE ON MY XXXX. EXPERIAN IS A MAJOR CREDIT REPORTING AGENCY PLEASE HAVE EXPERIAN REPORT EXPLAIN THIS DIFFERENCE TO ME. THIS IS A UNFAIR PRACTICE THAT THE OTHER REPORTING AGENCY DO NOT FOLLOWING WAITING EVERY 30 DAYS TO UPDATE CREDIT INFORMATION. THIS PRATICE REFLECTS A NEGATIVE IMPACT ON MY BUSSINESS DEALINGS. WHEN PAYMENT IS MADE AND REPORT BY BORROWER IT SHOULD REFLECT ON EXPERIAN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  BANK XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I took a look a my experian report and found some inaccurate items on my credit report. A collection from XXXX XXXX for XXXX was listed on my credit report that I am not responsible for. I am a victim of idenity theft. Below is a copy of the information. 


ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2020-01-02
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-02
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have previously filed a complaint with EdFinancial and on XX/XX/XXXX they sent out a letter which I didn't receive until XX/XX/XXXX stating that I had a couple of options to work out my repayment plan. 

When I called EdFinancial on the next business day to arrive an agreement on XX/XX/XXXX, the company had already turned over my account to the Default Department. 

I promptly called the Default department and they had told me that the options that were provided on the letter by EdFinancial were no longer available and they had turned over my account into default on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: MN
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:
Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Net Pay Advance, 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: Public record information inaccurate

Complaint:
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Grain Technology, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For the last 60 days Ive tried to contact the XXXX company Grain Technology through their support system that generates a automated email with no response, and by calling their listed phone number online. 

I have not received a response. 

My bank account is showing failure to connect in order to process a payment. 

When I attempt to change the bank account to a different one Im promoted to Contact Us which leads me back to the email support system with no response. 

If I attempt to make a one time payment through their email support system the same problem occurs again. 

This XXXX will inevitably report delinquent information to the credit bureaus and I have no control over stopping it because I can not get in contact with them. 

Please provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Account information incorrect

Complaint:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund

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 2016-10-06
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Other

Complaint:
I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.

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 2017-01-30
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Transaction issue

Complaint:
Synchrony bank failed to credit my payment of {$250.00} on XX/XX/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( XXXX ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is {$110.00} yet I have now been charged 2 months of late fees and my credit score has completely tanked.

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 2015-07-04
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XX/XX/22 to setup payment arrangement on a debt for XXXX. After verifying who I am, the rep stated I owed XXXX XXXX. I asked why is there a XXXX difference and she didn't know. She stated I could set up a payment arrangement for the amount showed in their system while they investigate. I disagreed and asked to speak to a supervisor. She transferred me to a gentleman who wanted me to re-verify which i was hesitant because for one, i already did and secondly there's this XXXX difference the last rep couldn't explain. The guy was so rude and stated it doesn't matter if i verified and i need to do it again. After going back and forth i stated I will just let my attorney look at it and ended the call. On XX/XX/22 I woke up to 4 credit alerts for negative items. I have multiple bills all under one account. He reported 4 of the higher accounts separately out of spite. The letter shows only one account number for everything. This dropped my score XXXX points.

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