BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-29
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Victoria 's Secret Credit card.paid bill in full in XXXX.at XXXX received a bill for {$2.00} when nothing purchased. Reported twice to get resolve and close account. On the XXXX on XXXX they sent me a questionnaire asking how I like there customer service. I in detail td them I want my account closed in no uncertain terms.this month they sent me a new bill with a {$6.00} charge on it. This account needs to be closed 100 %. Waiting you as last tesort.please close this account with no charges applied to me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A purchase was made with my card for the XXXX  XXXX XXXX. The purchase was refunded from them on XX/XX/2020 due to me canceling. On XX/XX/XXXX I see on my transaction history that the credit has been applied but American Express is holding the funds. Upon talking to 3 agents one agent XXXX emp Id : XXXX actually refers me to the legal terms and conditions # 4 Section F. Which that section refers to pre-authorization holds and processing delays. She kept referring to merchant holds, which has nothing to do with refunds and placing a hold on the refunded funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is

my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX  XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX Asset Amount : {$0.00}.

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 non-monetary relief
Consumer complaint received 2016-10-03
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. 
I have written to inform both companies on XX/XX/2016 that XXXX XXXX XXXX , XXXX & SYNCB/SAMS CLUB are both reporting on the same debt for XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Original Account Number XXXX Sam 's Club Personal Credit Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX. I have been trying to work with XXXX XXXX XXXX , XXXX and now have found myself being stopped from working out any agreements with these companies do to a Attorneys Block on my account that have been put on my XXXX Account XXXX XXXX XXXX XXXX. I have spoken to XXXX XXXX XXXX on XX/XX/2016 a few times. 
I have been told that no one from this company can or will speak about this account do to attorney block being put on this account by XXXX XXXX XXXX. I have been told that the only way to be able to speak to anyone about this account is to send them a letter stating that I am/will not use attorney regarding this account. I have repeatedly told XXXX XXXX XXXX that I will not give up my right to have legal representation. I have repeatedly requested information in writing and have only received letters from this company asking for my attorney 's information or telling me that they have opened investigation. I have never received an answer regarding any of the question 's ask of them. 
I have asked for debt validation, Proof that this company owns said debt, Proof of actual debt amount, Please proved any legal documents of proof of debt that legally authorized this company to collect debt. 
I have given XXXX XXXX XXXX 30 days to hear back with answers to these question only to fine that XXXX XXXX XXXX has only put a attorney block on my account so that I may not resolve this contentious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
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: Their investigation did not fix an error on your report

Complaint:
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and  XXXX  refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
Synchrony Bank, which manages CareCredit card, has ran credit reports on me to open an account multiple times, multiple weeks. They have already issued me a card. XXXX reports were ran with XXXX, a week apart. This is going to effect my credit score and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
hello my name is XXXX XXXX. i 'm in dire need of ur assistance. re : hamp, my pay for perfornance incentive. facts : im in my 6th year to rec'v $ XXXX. my anniv. date is XX/XX/XXXX. i 'm closing XX/XX/XXXX altho ' im in good standing my mortgage company is saying i need letter from treasury to say okay to close and still rec'v my incentive of $ XXXX. since i still lived here on anniv. date. and closing 3 days after anniv date. otherwise, they will not pay me. can you please help me? i wish to close on XX/XX/XXXX and not XX/XX/XXXX. it messes everything up. i had just spoken to treasury dept this morning, and guy told me treasury is n't paying me directly ( he checked using my ss number ) treasury is paying your mtg company, so as long as you are in your home on your anniv. date of XX/XX/XXXX, i  should be entitled to my final payment. to call my mtg company. i just did and left message. can you pls call me? i have been in contact with XXXX XXXX since XX/XX/XXXX ; first the denial of my $ XXXX was bcos i was not in good standing, i proved i was, she checked with my mtg company who agreed with me ( XXXX ) that i was in good standing. then i was n't eligible bcos i am closing XX/XX/XXXX, and my anniv date is XX/XX/XXXX. so i moved it to XX/XX/XXXX. to play it safe. now, its bcos treasury is paying them around XX/XX/XXXX, so since my loan has been paid in full i am not getting my monies. since when it goes by when treasury issues funds to mtg co?? its the anniversary date from what i been told 7 years ago!! i did all i could by calling everyone for help including writing letter to President Trump this morning. I can not afford to change my closing date, as it will cost me more monies with airlines ( for moving men to fly home ), rental truck, etc ... .. i am XXXX years of age and certainly do n't need this stress or runaround. i called XXXX XXXX XXXX this morning letting her know that i s/w treasury, and he told me its not federal, and not paying me directly. pmt made to mortgage company and they can send me seperate check to new home address when pmt is received to them by treasury. yet they seem to fight me on this. please help me. i 've done all i can. thank you for your time and attn. sincerely, 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 2022-09-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing regarding a problem I have with Truist Bank, formerly BB & T. I have been a victim of identity theft. My checking account, which I had with BB & T ( now Truist ) for several years was compromised. My funds were restored, the account was closed and a new checking account was issued. The second account was breached within 30 days. Once again my funds were restored, the account was closed and a third account was issued. Both the second and third accounts were issued with " starter '' checks. Even though I was issued starter checks with each new account, I purchased my permenant checks through XXXX, as it is less expensive than purchasing them through the bank, and I never used the " starter '' checks. When I wrote my checks to pay bills through the third account, I began to realize that they were not showing up as having been cashed. When I asked the bank about the checks, I was advised that the last account I was issued was not for writing checks, but rather could only be used for my ATM card. I have never heard of a checking account that I could not write checks on. I am now being charged late fees by various vendors, because the checks were not honored. When I complained to Truist about this problem they refused to reimburse me for my late fees because the checks were not issued by Truist. I feel that I should be reimbursed since I was not advised that I was being given an account that was only to be used for payments I made with my debit card. Since I was given " starter '' checks, I had no reason to think I could not write a check to pay my bills. Whether the checks were issued by Truist or XXXX has nothing to do with the fact that they gave me an account that I could not use. I had a regular checking account to begin with and the second account was a regular checking account. I should have been assigned a regular checking account when third account was issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: AL
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 XXXX US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2016-01-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Care Credit Card - Used for Pet, Vision, Medical, etc .... 
In XXXX, we had a series of unfortunate mishaps. We had to take our cat and dog to the vet on separate occasions. We have bills totaling over $ XXXX. The Care Credit card allows options for deferred interest if you pay within the promotional deadline. In multiple cases we selected 0 % for 12 months. Each month our bill provides the monthly balance, deferred interest, and when the promotional date expires. 
My concern is deceitful and misleading payment processing. 
For example : Charge # 1 - Expires XXXX/XXXX/XXXX with a balance of {$4000.00} Charge # 2 - Expires XXXX/XXXX/XXXX with a balance of {$5000.00} I will pay {$500.00} to charge # 1 to avoid interest. Care Credit is not applying the full payment to charge # 1. Instead they are applying portions of the payment as they see fit. A consumer paying {$500.00} naturally wants to pay down charge # 1. There is indication in their payment system that says otherwise. A consumer believes all of the {$500.00} payment is being applied to charge # 1. 
Care Credit has been deceitfully spreading out the payments among the multiple charges, which then makes the consumer default into interest charges. This is not only wrong but a bold face lie since there is nothing indicating/differentiating payments to multiple charges. 
We have never been late and always pay on time. I am angry because we have multiple charges we have been trying to pay off, only to see that Care Credit is lying to their customers about payment distribution. 
We expect an inquiry to be made and restitution to all customers they have been cheating for a long time. I have no idea how many years we may have been paying interest believing we were paying our promotional balances on time. 
Shame on you Care Credit for your deceitful practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by Conns on XX/XX/2016 to make a payment, they wanted to set up a payment to come out of my checking account on Thursday, XX/XX/XXXX, I told them I could not set up an automatic payment for that day, I had to see what I had in my account and then I would call them, he then said he could put on Sunday, XX/XX/XXXX, and I agreed to this for a payment in the amount of {$130.00} for that date. On Friday, XX/XX/XXXX, I logged in to my bank account and seen that Conns took the money in the amount of {$130.00} out, this was not agreed on, on the phone call the guy would say on Friday, I corrected him twice. 
When I called Conns on XX/XX/XXXX, to complain that they took the money out 2 days early and that it caused an over draft on my bank account. ( XXXX @ {$29.00} = {$87.00} ) they told me that a supervisor would have to review the phone call and someone would call me back that day, no one called, so I called them back that evening, they told me the same, someone would have to review the phone call recording and get back to me, but I never got a call from them, so on XX/XX/XXXX, I called them again, this time they told me they needed 72 hours, or 3 business days, which means it would be Tuesday before someone would take care of this, in the meanwhile what little money I did have, I can not access because my account is in the negative for them taking out the money before the agreed upon date. 
They were supposed to take out the payment on XXXX/XXXX/2016 of {$130.00} then, instead they took the payment 2 days earlier on a date that I did not agree on, they said they would have to review the phone call and then they would let me know, they said someone would call me on the XX/XX/XXXX, I did not get a call from them, so I called them and they said the same thing, that someone would call me. I called them back on XX/XX/XXXX, now they said they need 72 hours to review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00}

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 non-monetary relief
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For most of my life, I 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.

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