BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/XXXX. Approximately eighteen months later, XXXX purchased this account The TransUnion Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/XXXX - XXXX does not provide the date of last payment received on their credit report for this account. 

Both TransUnion and XXXX have sent responses stating they are " unable to honor my request based on the limited information I have provided. '' As Transunion HAS the information they need due to the fact that they are REPORTING IT on my credit report, I am confused at their boggle. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/XXXX. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed. 

Since XXXX XXXX, XXXX, was the termination date of the seven-year statute on this account the notation from XXXX XXXX should be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Use of Gap Visa card issued by GE Capital Retail Bank was declined on XX/XX/XXXX. Card has expiration of XX/XX/XXXX and has a credit balance. Customer Service says card cancelled because issuing new one with chip. Other card companies keep card valid until new card activated. A declined card is embarrassing. This practice is poor customer service and relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. 
So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: OH
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:
i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as 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

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 2022-06-01
Company: EQUIFAX, INC.
State: OH
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:
i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FISERV INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 : Discovered unauthorized attempt on husband and wife 's bank accounts to extract {$1700.00}. 
XX/XX/2022 : Met with banker re : unauthorized attempt ; she froze both accounts and opened 2 new accounts, transferring all current activity to the new accounts. 
XX/XX/2022 : Received letter dated XX/XX/2022 from TRS Recovery Services stating husband owed {$1700.00} to their client XXXX XXXX. Advised to either respond and dispute debt within 30 days or pay it. 
XX/XX/2022 : Composed statement for filing Police Report that we dispute this charge. 
XX/XX/2022 : Filed Police Report for fraud against TRS Recovery Services for unauthorized attempt to withdraw {$1700.00} from 2 bank accounts. 
XX/XX/2022 : Composed Response Letter to TRS Recovery Services, disputing the debt and mailed it with copies of Police Statement, Police Report, and dispute box checked on original letter from TRS Recovery Services. 
XX/XX/2022 : Received Second Notice dated XX/XX/2022, from TRS Recovery Services, still demanding payment AND now advising husband has been reported to XXXX XXXX, XXXX and will remain in their database until the {$1700.00} is paid.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be DELETED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 am trying to repair my credit to purchase a house for my family. I currently have two credit cards with capital one for over eight years. I have auto pay set up, and generally keep my usage below 10 %. On four occasions I experienced issues with the bank account connected to the auto payment. Mainly with changes made to my direct deposit at work. Because the account is set on auto pay, I did not realize I missed payments.

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is an Issue I have come to recognize happens if I make any changes to the distribution of my Direct deposit from work. I have filed a dispute in XX/XX/XXXX, as well as mailed a letter asking for forgiveness and to have the late payment marks removed as I am a long time customer with responsible usage who is trying to repair his credit. I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The complaint i am filing is against XXXX XXXX XXXX. They finance my Walmart card ( s ) and XXXX 's card ( s ) .Recently i was informed by XXXX that my XXXX XXXX cards were closed and that the Walmart credit limit on XXXX of my cards was reduced. The reason given for these changes was that they recently re-reviewed my credit report and the report showed delinquencies as well as late payments. I have none of these and I am not understanding where they have come up with this information. i am also wondering why and how they could pull a XXXX credit report without my permission. I am very disturbed by this since the changes have negatively effected my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 using PayPal credit I made a purchase in the amount of {$1400.00}. Upon receiving the purchase receipt, I identified that PayPal charged my bank account. I contacted my bank to stop the payment because I do not have that amount of cash available for thar purchase. I then proceeded to contact PayPal who informed me that the reason why it was put thru on my bank was because the credit limit on my PayPal credit account was not sufficient, and that the system assumes that it is okay to use a second funding source without notifying me by providing me an adverse action notice and or giving me the option to proceed with the purchase. I contacted PayPal on XX/XX/2022 who advised me to contact the merchant directly for a refund, after numerous failed attempts to get refunded from merchant I opened a dispute with PayPal XXXX XXXX  who until this day XX/XX/2022 have not given me a resolution and instead I received a collection letter from a debt collector. PayPal unfair and deceptive practices are a violation to my consumer rights to fair and honest dealing it is causing negative credit reporting, financial distress and negatively impacting me, my finances and my credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!

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 2016-11-30
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). experian. ive sent a complaint through the cfpb for this account and they replied by saying they verified the account with the data furnisher. and they haven't removed this fraudulent account. i filled out a ftc report for this account. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed. Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, this is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. experain said that it verified this with the data furnisher, how can you verify a charge off with a balance. that is impossible and an obvious inaccuracy. experian is breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws

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 2022-06-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-11-05
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a XXXX dollar fraud charge, tried to get it resolved with the bank. They told me to get bent. It is a very clear fraud charge, i only use my account for groceries beer and gas and this showed up as something completely irregular and its XXXX  I had to bend over. For theis

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 2015-08-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.

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