BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20, I phoned Synchrony Bank. Recovery Department, spoke with XXXX to negotiate a payoff on a debt in collections that I owed Care Credit. During our conversations, I made an offer of {$700.00} to settle a {$1800.00} debt. XXXX, explained he would submit the offer and for me to call back approximately one week for acceptance results. I phoned on XX/XX/20, spoke with XXXX, he informed me that the offer was accepted and stated I would receive a letter of agreement and that once I receive the letter I would have 30 days from the date of the letter to make the payment. I received 2 letters that were promised on XX/XX/20 both dated XX/XX/20, stating I had 30 days from the date of the letter to mail payment to settle the account per agreement in the amount of {$700.00}. On XX/XX/20, I purchased a cashier 's check from my bank and mailed the payment overnight to the address on the letter on XX/XX/20. On XX/XX/20, phoned again was told payment rec XXXX XX/XX/20 and that I didnt meet deadline 30 days from verbal on XX/XX/20. I explained 30 days from date of letter. I phoned 2 more times and was told the same thing. Requested supervisor to call each time was told not available. Please see the attached with complete detailed communications with Synchrony Bank. Not enough room in this box.

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 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 I swiped my card to pump gas at Shell located at XXXX XXXX XXXX XXXX NC. When I went to make a purchase immediately after pumping gas, I discovered that Shell had placed a hold of duplicate transactions of XXXX dollars. In other words, they had held a total amount of XXXX dollars on my card when I had only pumped XXXX dollars of gas. I went back to the store to talk to the cashier and she was an XXXX Lady and she refused to hear what I was saying and said that she was not going to do anything. Later, I was able to call my back and cancel the XXXX transaction but I just noticed that Shell still has a hold placed on my card of XXXX dollars on my card account. This hold has been there since last Friday and I would like my funds released so I can use them for myself. I am not able to use these funds because Shell is holding it and I think it is very unfair to hold my money this long and for this amount for a {$25.00} gas purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since the day I opened the PNC bank account - I am facing issues. 
1. They blocked my outgoing ACH transfer for no good reasons.

2. They are asking me to give them a call and have the account number handy.

3. when i tried to get the account number, they ask to provide the mobile phone number. When i am doing that they have an issue with that also. 
4. Secure message center is not working I would like PNC to communicate to me via email or mail. I called them upon and their menu based system is so confusing and troublesome in order to not let the customer talk to the banker or customer service. 

Why they want to hide the routing number and account number especially when the bank account has a promotion for direct deposit? Can't they understand that we are in the midst of pandemic and nobody want to step out and risk their life? 

I am a legal XX/XX/XXXX and living in USA since 2005 and having the credit score of more than XXXX - even then this bank is giving me such a tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NV
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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: AR
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've recently been in constant contact with Equifax consumer reporting agency over the past several months regarding fraudulent accounts being reported on my credit file due to identity theft. I have included several disputes as well as a FTC Identity theft report. Equifax has for the most adhered to the Fair Credit Reporting Act in regards to sections 605b, 609, and 611 except for the fraudulently account listed as Attorney General XXXX which is not only fraudulent but list two different accounts with inaccurate balances as well inaccurate addresses. I have disputed this account on more than one occasion and have yet to received any documentation from Equifax obligating me to this fraudulent account. It has been well beyond 30 days for this investigation and yet this account ( s ) sill remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, Equifax, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, Equifax, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
My husband and I submitted investigation requests to XXXX and Trans Union on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.

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 2016-02-04
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This past XXXX I received calls from someone claiming to be from CitiBank " Corporate Office '' and asking me for very detailed information about my accounts and if I did not provide it they would close my accounts. This number was not listed as CitiBank and seemed very suspicious. I called the customer service line for my credit card, the agent stated no information was required. To double check, I contacted Citibank XXXX office, inquiry XXXX. I received a letter dated XX/XX/2020 from Citibank Executive Response stating Citibank has not attempted to contact me to verify information and I should contact customer service as my account information may be compromised. 
On XX/XX/XXXX, All of my Citibank personal and business credit cards were closed without warning. 
Customer service states I did not respond to requests for information so all of my accounts were closed. 
I did not respond because Citibank told me this request for information was fraudulent and did not come from Citibank. 
I have been a Citibank customer for 20+ years with a perfect history, I have a high credit score and a perfect payment history with all of my accounts.

I can not believe Citibank would do this in the middle of the pandemic crisis the world is facing right now. 
I followed Citibank 's advice not to respond to the suspicious phone calls, I would provide any information required had Citibank told me the request was legitimate. 
I request my accounts be re-opened, I have been a loyal Citibank banking, mortgage, and credit card customer for many years.

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 2022-10-12
Company: EQUIFAX, INC.
State: GA
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've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month. 

I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX we sent notice to alleged lender, XXXX XXXX, requesting validation on this Loan. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted XXXX XXXX  as a result, and it was only then that we received a response from XXXX XXXX, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

XXXX XXXX  is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of XXXX ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, XXXX XXXX, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.

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 2022-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account is now my account, nor did I authorize these companies listed to pull my credit. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my 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 2016-12-05
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been being garnished for a medical debt for the majority of this year. I have not had any issues with paying via garnishment as I could not afford the payment terms offered to me by the collection agency. 

Between each round of garnishment I received in the mail, notification that the debt was not fufilled and to contact them regrarding extending the garnishment. 

this last round ended XX/XX/XXXX., today XX/XX/2016 I received via the USPS a letter from circuit court stating there was another garnishment from this company for next 13 pay periods ( I owed XXXX ) total cost of this will be XXXX I told them I could pay today what is owed, however they made me pay the cost of the garnishement filing XXXX - This company purposely changed the way it communicated with me from past occurances to cost me an addtional amount of money. I do not believe this to be a fair or just practice

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 2021-01-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i filed numerous disputes with representatives at Equifax and online for an collections account that is from XXXX XXXX XXXX for the amount of {$570.00}. XXXX is showing that services were in my name at the address XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have never lived at this address i lived with my sister at the time and her address was XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have already explained this to representatives on the phone that the apartment number was incorrect and that i did not live at apartment number XXXX but that i lived at apartment XXXX and it did not belong to me. We never had XXXX services in my name at that Address i have Bank statements that verifies my residence. Equifax refuses to remove this unverified debt from my credit report. This account has also been removed from all other credit bureaus which is evidence that this debt can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year, my wife and I visited XXXX, XXXX for our honeymoon. We stayed in a XXXX  all-inclusive resort, and were asked if we would like to tour the property and receive a free breakfast and a gift certificate to the on-site spa. They said it was not a sales pitch, it was something that they offered guests who were interested. We agreed, and took part in the tour the first morning of our stay. The breakfast ended up being the normal buffet, which is always free anyway, which made us a bit suspicious. At the end of the tour, we were taken into a room to receive our spa certificate, and they began trying to sell us a vacation discount club membership. We declined multiple times. At this point, it had been five hours, even though they had told us the entire tour and breakfast would last for an hour total. After receiving multiple discount offers to join the club, we finally agreed, thinking we would simply cancel the membership once we were back from the trip. We were told there was a 30 day cancellation period. They then brought an XXXX with dozens of places that we were supposed to sign. The employee held onto the XXXX, and scrolled through it quickly, telling us to press a button in each spot they wanted our signatures. We both felt extremely uncomfortable and pressured throughout the experience, and were often unclear about what was happening due to the language barrier. We tried to stand up and leave three times and were stopped at the door and taken back to our seats each time. After returning to our home in Tennessee, we reviewed the login information we had been given and got online to cancel. At this point, we found that they had opened a credit card in our names at Barclays Bank, and had been charged {$2000.00} USD. We contacted every company involved, with the vacation club refusing to cancel our membership, and Barclays telling us that they would investigate. A couple of weeks later, we were contacted by Barclays, and were informed that we were required to cancel the membership within 5 days of signing, which we did not do ( again, we had been told 30 days ), and that they would not be cancelling the charge, and that we would continue to be charged monthly. We feel completely taken advantage of, have never used any of the " benefits '' of the club, and have been trying to get out of it since the very beginning. Please help!

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 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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 noticed many incorrect and unauthorized items appeared in my 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