BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened credit card acct with retailer ( that has their accounting serviced by an outside bank ) to make a purchase that day which totalled {$220.00}. It is the only purchase ever made. Many months went by but I never received a credit card or bill. I did some research on-line. I made several attempts to set up the on-line acct process but was met with error msg after error msg. Finally I got it to go through. At that point, the acct was past due so I also owed a late fee of {$29.00}. I made the required payment of {$37.00} on XX/XX/21. The late fee was credited back to my acct. By the time I went on-line and discovered that my acct had not been set up properly, the next billing cycle was upon me. I received no bills prior to the XX/XX/21 bill. As a XXXX senior on a small fixed income, I was unable to make another payment so soon after paying the {$37.00}. I called in about the bill & the errors the clerk made ; I never received the store credit card and I hadn't been getting any bills. I explained all that happened due to this clerks errors, made the scheduled payment ( less the late fee ) and asked if the late fee of {$40.00} could be credited back to my acct since the errors and omissions were due to circumstances beyond my control. I was told it would be taken care of. The next month, the fee had not been credited so another later fee of {$40.00} was charged to my acct. I have been paying the scheduled payment on time every month ( less the {$40.00} late fee ). So, every month they charge my acct with another {$40.00} last fee... which are snowballing ( pyramiding ). This is exactly what's described in : FTC Act Reg. AA & 16 CFR section 444.4 ( a ). My total debt was just {$220.00}. I have paid {$220.00} to date. I realize I owe a reasonable amount in interest ; estimated at {$5.00} per month. They show the balance due on my acct is {$230.00} ( includes 5 months x {$40.00} late fee ). As stated, I called initially. Since then I have written every month when sending in my payment. I just sent a letter with an audit I did of the acct, It had to have been received before the bill I just received. I got no reply. And I am at the point where I am not willing to make any more payments.

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 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my Transunion dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my Transunion report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

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 2022-05-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was a recipient of Oklahoma Unemployment benefits and all my backpay went onto a card called way2go card through the Company Conduent in the amount of {$5000.00} on XX/XX/2020. Within a few hours of the money being put on the card someone created an account in my name on the Conduent site and set up direct deposit from that card to their account. Conduent advised me that the email and phone number did not match what i gave them. This prevented me from setting up an account myself because it gave me an error message that an account had already been created. I spoke to numerous customer service reps through Conduent over the weekend trying to resolve the issue was told multiple different things by all of them but in the end filed a Dispute SR # XXXX in order to try to get my money back but the company is claiming that my social security number does not match anymore and there are no unemployment claims under my social or name. They advised i needed to contact the unemployment office to get this corrected i went to the local XXXX Office XX/XX/2020 and spoke with the rep and she contacted her supervisor they both verified my information matches and nothing is wrong on their system. They that the money was sent to the way2go card system and Conduent would be responsible for fixing the issues and refunding my money. Conduent told me they can investigate it but without a police report it would be hard to prove. I said are you kidding me so i did file a police report I also filed a report with Internet crimes, Federal Trade commission and a Identity Theft report has been made. It has been a back and forth blame game that is getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: CT
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 notified XXXX that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX Equifax has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in Equifax system and was told to check it there. After signing into my Equifax account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. Equifax has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by Equifax and XXXX and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. Ally is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. XXXX and Equifax are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a hardship of losing employment and also has loss if income on top of losing employment. I applied to New Jersey 's hardest hit fund with the direction of NJ Legal Services back in 2017. I was approved by NJ Hardest Hit Fund, but they had to decline me because my lender Homepoint financial decided not to accept the funds. I did call Homepoint to ask why they didn't accept the funds that were coming and I wasn't given an answer as to why they didn't. This could have prevented me from being in foreclosure. I did attempt a loan modification in which they stated they couldn't help, but I know there are additional programs for those who have FHA backed home loans. I never got the feeling that they go above and beyond for their borrowers. Any assistance I tried to get from them was shot down. I have recently reached out to HUD so that I can get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX Violated my rights on this date XX/XX/2022 They violated these laws : 15 USC 1692 ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.

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 2022-05-03
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  XXXX XXXX has violated my rights. 

XXXX OF XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CHECKING OR has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This concerns PNC Bank in XXXX NC. I deposited XXXX on Sunday XX/XX/2019, at a local branch ATM. The ATM malfunctioned and kept my XXXX bucks but didnt credit to my account. Of course first thing after I contacted PNC customer service. They filed a dispute as this is the procedure in order to have missing money returned to the customer. This so called dispute procedure takes 10 days according to the policy in place. I just got the news my dispute has been denied. So in other words they kept my money. Understand that machine malfunctioned and it was indeed in need of major repairs. Yet and still I was denied my own money that was literally stolen from me via PNC ATM machine. This is not only ridiculous but shows what kind of company PNC really is. I just want my money back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation