BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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 2015-11-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
Please Reference my prior case with this companyCFPB CASE # XXXX A WRITTEN DOCUMENTATION THAT CONFIRM ORIGINAL DATE OF DELINQENCYA woman by the name of XXXX XXXX was working with me previously regarding the above ; she had provided me detailed information as well as her contact information. 
The issue is her contact number is only a voicemail, I have left her a voicemail, but I have not heard back. I also sent her an email. I seem to have had no luck ( only reach a preset voicemail. ) And No email replyOne document that was not provided to me is a statement that provides the ORIGINAL DATE OF DELINQUENCY. 
The original delinquency date is the date the account first became delinquent and was not brought completely current. 
Each of the XXXX credit agencies are reporting this date differently. 
The Fair Credit Reporting Act ( FCRA ) Section - 609 ( a ) ( 1 ) clearly states that a creditor must provide this in writing upon request this Document. 
Please provide this information so that I may update my records. 
I hope to resolve this with you directly before opening a new CFPB Complaint. 
The original delinquency date applies to the first late payment. In which the account was never brought current. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My car lease ended in XX/XX/2020 and the balance was paid in full. Now in my credit report it shows that there is a pending balance and i am past due affecting my credit report. i spoke with XXXX XXXX and they said that there is no pending balance and the account was close and paid in full. However, Experian report said that i am late. I started a dispute two weeks ago but they are saying that they have 30 days to fix. my credit went down and other creditors ( credit cards ) started taking actions. Last week i received a letter from a Matercard ( a card that i had ) closing my card, because I have late payments. The same situation is happening with XXXX XXXX, I had a loan that was paid in full two weeks ago and they are reporting that the loan is late and affecting my credit. 
In addiition, Experian is sending emails advertising the Experian Boost and other application to fix your credit by paying a fee and asking for a credit card to fix these problems. 
My death at this point is less than 15 % and nothing has been update, the only thing that they update is your score is going down. 
They continue bringing down my credit score by those situations. 
Please assist to escalate with this company to maintain an accurate information and the responsibility to fix and correct a problem. If they decrease the credit score by certain amount of points, because an incorrect information the point that they took they need to be back. 
A credit score is affecting my life, my loans, my mortgage. 

Thank you for looking into this, they can't continue acting only as a library. this is how the Account manager from Experian described the company. no responsibility if they make a mistake. Only focus how to make money and use your information ...

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 2015-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, Tromberg , Morris & Poulin and its customer service agents demanded a lump sum in order to release the levy on my XXXX XXXX XXXX XXXX The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. 
My XXXXXXXX XXXX currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. 
These predatory practices must end once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got unemployment benefits from US Bank Reliacard and I can not access my money. I verified my identity at verify.usbank.com and still can not access my funds Reliacard Account ID # XXXX phone number for customer service ALWAYS give the same infuriating message about high call volume no matter what time of day and Hangs Up In Your Face. XXXX is a joke!!!!! I lost the QR code for activation and have no way of contacting them because they disconnect the line. I am starving and I need my money.

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 2015-11-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Company took XXXX payments of {$110.00} on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. applied all XXXX payments to the account in one month and assessed a late feel on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX i deposited a check in the amount of {$35000.00} into an account with truist bank that did not belong to me in XXXX, Pa. I did not endorse the check and I verbally advised the cashier of this. The cashier said he was putting it in as a deposit only. I had never met the person who's account I deposited the money. I was advised by a third party the account number, routing number and the name of the account holder. this transaction was to be a down payment for a house in North Carolina. On or around XX/XX/XXXX I got an email from the third party stating the checks were fraudulent per Truist bank. The checks were valid checks from my retirement fund at XXXX. I have contacted XXXX to get my money back. They said they did every thing appropriately and in good faith. I have contacted XXXX and Truist bank many times since XX/XX/XXXX. Truist bank is stating they did not cash the checks and are holding the money and will not release it until XXXX requests. XXXX is stating the checks are cashed and there is nothing they can do. Bottom line I want my {$35000.00} back.

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 2020-03-07
Company: SYNCHRONY FINANCIAL
State: IN
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:
I have stellar credit carrying 6 percent utilization and all my synchrony bank cards had 0 balances and were paid on time. Synchrony bank closed 4 of my accounts and stated high risk as the reason. No warning and no specific reasons

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 2020-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA is not providing a way for consumers to close their credit card accounts. I tried unsuccessfully via their app, website, chat, secured message and via phone at XXXX. Even after calling on the phone, the phone representative told me she could not cancel the account and the team that could was unavailable. She would not provide me a direct number to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions 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:
XXXX XXXX is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad

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 2016-05-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.

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 2020-03-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was charged XXXX every month since XX/XX/XXXX without my consent by Experian for credit monitoring. I never inputted my credit card information to be charged monthly. I attempted to call customer services however I was never able to get through to a person for months to figure out how to cancel this membership. 

After finding a post on an online forum from another person who had a similar problem I was able to cancel my membership on XX/XX/XXXX for Experian IdentityWorks Premium. My premium membership ended on XX/XX/2020. 

I have contacted Experian and discussed how I never agreed to have credit monitoring and I wanted to be refunded for every charge since XX/XX/XXXX. This Includes XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They simply stated there was nothing they could do. They said if I didnt sign up for this then someone must have stolen my identity and signed me up for the monitoring service. No one stole my identity, I tried to tell them that Experian signed me up unknowingly and without my explicit consent. 

Experian did refund me for the month of XXXX. I am still looking to get refunded for the other 6 months totaling XXXX. 

I attempted to use my visa credit card services to reverse the charges however they stated " regulations governing credit card transactions allow member banks a number of weeks to assist you with any discrepancies on your account. When we received your letter, the time had elapsed for use to obtain credit to your account ''

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 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They had properly removed a bad debt for XXXX XXXX for a {$10000.00} balance that was last paid on XXXX/XXXX/2008 however recently they added it back and when I disputed it for being over 7 years old ( past the allowable reporting period ) they have refused to remove it.

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 2015-10-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Hello CFPB : Would it be possible to re-open my complaint XXXX? 
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. 
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 2022-09-17
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA 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