BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I received a digital mail from Synchrony informing me that my credit limit had been decreased from XXXX to XXXX the account 's current amount. I have an outstanding payment history, and I have purchased large-ticket things and paid them off in monthly payments. Prior to the modification My credit usage was 33.4 %, and my payment was due on XX/XX/XXXX. The final aim was to be under 30 % in order to increase my credit score. This month, I've been paying off department store credit cards according to their due dates. Walmart, XXXX, and major credit cards to a XXXX balance. My objective for the XX/XX/XXXX payment was to pay the entire amount. The credit limit was cut from from XXXX to XXXX with 95 % of the credit utilized. The strategy to detect weakness and financial default has impacted my creditworthiness. I am now in the mortgage process, home loan shopping and underwriting process with XXXX This explains " too many queries. '' Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. XXXX loan searching and underwriting. This will explain " too many inquiries ''. Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. Syncrony 's assumption about my creditworthiness is incorrect. This is not the first time Synchrony has reduced credit. I had XXXX more cards with Value City and XXXX in the same circumstance. I paid the bill in full after the decrease to prevent the XXXX % utilization recorded to the credit agencies. I was punished by having to close the accounts. Because of the credit reduction and paying the balance in full, I lost XXXX points, this is a huge impact especially trying to purchase a real estate property. Ashley furniture has suffered a credit decrease. I have no alternative but to pay the bill in full to avoid high credit usage reported to the XXXX bureaus Historically, Syncrhony will close the 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 2023-01-20
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:
XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX i have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 
under Sec. 602 " I have a right to privacy ''

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 2023-02-27
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On approximately XX/XX/ 2022, I deposited {$4000.00} into a U.S. Bank branch atm. The machine took an unusual amount of time to process the deposit, and after some time, returned my money and displayed an error message, that to the best of my recollection stated a foreign object was detected. The atm returned {$2700.00}, it kept {$1300.00}. I made this deposit in the evening. I went into the branch the next morning and opened a dispute with the branch manager. Since XXXX or XXXX, the bank has continued to deny my claim and their reason for denying my claim states " the requested amount ( {$1300.00} ) was dispensed. '' Could this bank be any more careless in investigating my dispute? I never requested {$1300.00}. I never requested any monies at all. I deposited {$4000.00}, the atm returned {$2700.00} due to an atm error, and kept {$1300.00}. How they arrived at the conclusion, time and time again that I requested {$1300.00} or even received {$1300.00} is beyond me. It shows they are not investigating my dispute at all. I've refiled this same dispute at least four times and I've received the same letter from us bank denying my claim for the same reason every time, despite the half dozen times I've called and talked with a U.S. Bank representative and explained to different customer service reps each time that I wasn't making a withdrawal, but a deposit. I requested to speak with a supervisor, I was never contacted by one, and the supervisor was always " busy ''. I requested the documentation used in the investigation, I only got the runaround. Of all the people I've talked to, and the different departments I was transferred to, no one has access to the documentation. It feels as if they purposely won't allow me to speak to a supervisor, or send the documentation used in their investigation of my dispute. These atms are checked every morning from what I understand. What's so hard about this? Clearly the atm had {$1300.00} in it unaccounted for. Then you see my dispute which was filed immediately the very next day with the branch where the atm is located. So from this point on, any energy I give to this incident will be in filing complaints with organizations that hopefully will take this claim seriously, and can help me reclaim the monies stolen from me.

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 2023-03-09
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 2023-04-24
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Citibank customer since XXXX, first time victim of a stolen check and check forgery. Check {$9400.00} was payable & mailed to XXXX XXXX Treasurer office in XXXX. It was stolen and altered in the payee & memo lines then cleared by Citibank. I detected the forgery check in the last week of XXXX online and reported immediately by phone. Then file a claim at the local Citibank office. Citibank denied my claim and appeal because I file the claim not within the time limit.. Check was cleared in XXXX XXXX. I couldn't report the crime when I did not suspect or detected the forgery check. I have paperless monthly statement, therefore I do not receive a paper copy by mail. And during the month of XXXX & XXXX, I have difficulties going online at Citibank website. It was not accessible many days. Then if I can login I only can view one task then it locked up. Citibank website was reconfiguring the website. I called for help technical support many times. To proof that I COULD NOT access my account information, during XXXX & XXXX, I had to call customer service to retrieve copy of checks for my tax accountant. And I have copy of the Citibank respond letters. Please help me to appeal to Citibank to credit my checking account {$9400.00}.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting my XXXX XXXX XXXX XXXX account inaccurate. Attached you will find documents that show XXXX with no dates late, XXXX with no late payments and Transunion with XXXX late payments. This information should be removed immediately.

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 2023-03-07
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had a XXXX XXXX XXXX on our rental for years. We used the service a few times and any expenses or monthly costs were automatically paid by a valid credit card on file. Services had not been used in the last year and no notification of outstanding debt was ever sent. 

After we did much work to our rental, we decided this home warranty policy was no longer needed. 

XX/XX/XXXX - I went to the vendors website per their annual renewal notification and put in writing ( via their email contact system ) that I no longer need the policy, no errors were given but a confirmation was not also received. 

XX/XX/XXXX - I called the company via their Customer Service and asked them if they processed my cancellation that was due to renew on XXXX. I spoke with XXXX XXXX and he checked everything and saw a service fee of {$75.00} that he checked our history and no work had been performed that would warrant an outstanding fee and was unable to reference it to anything. He went to clear the charge and then it changed to a cancellation fee on the description. He was unable to clear the charge and said he never saw that happen before. He told me he would be sending the issue to someone internally for he did not have the ability to override the charge. 

XX/XX/XXXX - I received a confirmation that my XXXX XXXX policy was in fact cancelled as of XX/XX/XXXX ( day of autorenewal ) via email, even though we spoke on the phone XX/XX/XXXX about unsuccessfully trying to cancel it prior. I responded and overviewed my conversation with XXXX. 

XX/XX/XXXX - Received a debt collector notice from Nationwide credit Inc. basically trying to collect. I was out of the country and literally returned the day after they said I had to respond ( XX/XX/XXXX ). 

I have not contacted either company since this is well documented and they just need to fix their system to reverse the bogus cancellation charge. Please contact me directly if you would like to get copies of anything I have collected. I have read other complaints on how this company preys on older people and makes cancelling their services impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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 status incorrect

Complaint:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

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 2023-04-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX  knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, while on the computer a notification popped up informing me that my computer has been compromised. There was a XXXX notification. I called the number. The person I spoke with told me that my phone, computer and bank information was exposed. He said that if I use my phone that the hackers could hear everything. I needed to contact the bank. The technician said that he can call them on a secure line. 
Which he did. I spoke with who I thought was customer support. The person acted like he really was from the bank. This person informed me that my account was being hacked by someone who was ordering XXXX worth {$2000.00}. This person said that it appears to be an inside job. He told me that i had to go to the bank and transfer my money into a secure bank account. Which he provided all the information, for an account in XXXX XXXX. 
The amount was {$23000.00}. The bank sent an email informing me that they will not replace my lost even though they had time to stop the transaction. They stated that I iniciated the transaction. Which makes it look like I was part of the scam. I contacted the fraud department and filed a claim. I have yet to hear back from them. I called the bank and the person I spoke to said that the case is closed. I did not receive a hard copy of the case being closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MO
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 NUMEROUS 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 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 XXXXXXXX.

Company response to consumer: Closed with explanation