BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I currently have a Walmart store credit card issued by Synchrony Bank and have had ongoing problems with this bank. Most recently, on XXXX/XXXX/2016, Synchrony Bank reported that I am $ XXXX days past due. On XXXX/XXXX/2016, I made a payment of {$35.00} and on XXXX/XXXX/2016, a payment of {$75.00} was made. For the past two months, I have made {$110.00} in payments. I have yet to make a payment for XXXX, but it is forthcoming. 

I do not understand how Synchrony Bank determined that I have missed more than 3 payments. This would had to have occurred in order for me to become {$110.00} past due. In addition, I am consistently being charged interest for going over my credit limit. However, after each payment is made, there is no available credit. Therefore, I can not possibly go over my limit. It is the excessive fees which are causing me to go over my limit. 

There is no basis for this bank reporting erroneous information concerning my payments other than that Synchrony Bank is an unscrupulous lending institution with very unethical business practices. Prior to this reporting, I had no missed payments on my credit reports and as a result of Synchrony Bank 's error, my credit score dropped XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Bank of America XXXX. - XX/XX/XXXX On XX/XX/XXXX Bank of America closed my account without prior notice. I have had the account for several years without notice. 

XXXX Current balance : {$940.00} - XXXX - They reduced my credit from XXXX which caused my utilization to go up. Now without notice they closed my account which negatively affects my Score with all XXXX bureaus. All for transunion not removing an error on a timely manner from my credit file where they reaged my reaffirmation with one of the cards. 

On XXXX I had that card almost for 5 years and paid on time that one also had a credit limit of $ XXXX and they reduced it to XXXX it has a balance of XXXX. 

Had they not reduced my limit my utilization would have been at XXXX %. Their actions drove my utilization at 90 % and now they close the 2 accounts I have had for years, This will drive other creditors to do the same thing. This is totally unfair to me as a consumer. They could have just kept the accounts opened after the credit reduction & it would have given me the opportunity of future evaluation. Now, with the way the economy is I am totally screwed as a consumer for a bank making decisions on my credit for issues that they caused out of credit reductions based on errors on my credit file of reaging reaffirmations in violation of the TILA and FCRA and Truth and lending act. I called the 1st time and they hung up on 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 explanation
Consumer complaint received 2022-11-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I purchased the following egift cards for my daughter 's birthday ( XX/XX/2022 ). Order # XXXX, order # XXXX, order # XXXX, order # XXXX and order # XXXX. I could not regift these ecards to my daughter on the XXXX of XXXX so I filed a dispute. I decided to regift them to my neice on XX/XX/2022 and they did not go through because of the dispute. 
When I received my XXXX statement, XXXX charged me for seven gift cards when I only purchased five. Immediately filed another dispute in the amount of {$180.00}, today I received a notice that my dispute was closed and that I had to pay for seven gift cards that I have not been able to use, nor did I order to be used ( seven ). I called XXXX today and tried to tell them that I still can not use those cards. They just kept switching me to different departments and after XXXX minutes they disconnected the call. 
I am not going to pay for egift cards that I did not order nor pay for cards that I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions 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:
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 U.S.C 1681 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that 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 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 2022-11-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i contacted the companies regarding false information on my account and it wasn't properly reviewed by credit bureaus. so, I took it Apon, myself to search laws regarding this here are a few that was found and need to be followed by them. My address is still wrong on all of the bureaus. all violations on credit reports are attached. also is an attachment from FTC 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

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 2022-11-08
Company: Experian Information Solutions 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 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 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 2023-03-28
Company: Certegy Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Certegy check services XXXX $ check denied XX/XX/XXXX Cashed a couple before it. Denied cashing a XXXX $ check onXXXX. mailed off for my consumer disclosure report and it came back empty. So why was I turned down?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
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 Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX  NJ XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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 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 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have deposited a check into my Wells Fargo Account and they have put a 10-day hold on it. It is a commission check from my broker as I am a XXXX. The check is for {$5500.00} and I have deposited at least XXXX other checks from this same broker. So it is coming from the same account it has always come from and they have never held it for more than the usual 2 business days for checks over {$2500.00} which I have accepted as their policy. Holding my check for an additional week is unacceptable and unethical as they will receive these funds way before they release them to 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 explanation
Consumer complaint received 2015-12-23
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
" Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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:
I have tried to get an error fixed 3 times and Experian has failed to address the issue in all responses. XXXX express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with 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 explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX never lived here not my address in accordance with the Fair Credit Reporting act experain ; 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

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 2016-07-06
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Regular calls on my cell phone from XXXX.. 
Net search indicates number is PBCM a full-service national receivable management ( ARM ) company that focuses in 1st party collections ( pre-charge off ), 3rd party collections, and servicing of performing portfolios. 

I do not owe anyone anything. I have filed complaint on do not call list many times. Calls continue ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident )

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