BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2021 NCA was added to my credit file. I was not notified of this collection. The first time I heard of this account was when I seen it on my credit file in XX/XX/2021. I have contacted NCA with regards to removing this collection from my file or sending me validation of this account and as of today, I have not received anything in writing from NCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
There are banking irregularities at XXXX Bank, the spawn of XXXX which was fined for banking fraud issues. I experienced intolerable delays while trying to fund XXXX XXXX IRA 's for myself and wife.The money was being transferred in from XXXX different sources and was to be placed in a money market CD accounts until funds were received. Customer service was horrendous. When the funds arrived, I was told they would remain in the money market accounts until I directed other wise. Because of the customer service issues, they were told XXXX to leave it in XXXX account status. The fact that they had no idea where it was supposed to go was incredulous! That 's how the conversation with them began. Do they think I 'm moving money around only to later figure out what to do with it? I took steps to get the money out. About the time the money was to come out, I learn that the bank has placed my account in an XXXX month CD! They want me to pay a penalty to get it out! They have been floating themselves a loan at my expense and now want penalty money! There is a total lack of communication at the customer service level. The problem for them is that my wife 's account was transferred out to the new bank! This is correct, but how does this happen simultaneously? I was personally giving direction for all funds simultaneously. Complicate all this with their online security issues and gaining access to your account! We could n't get into my wife 's account all weekend. Hideous is the only way to describe this experience. Or perhaps people at the top of the bank XXXX XXXX of dollars of funds around to take advantage of float. Every delay worked to their advantage. Multiply this by XXXX of XXXX funds containing XXXX of dollars. Something rotten is going on at Synchrony.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}

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 explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over XXXX days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

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 2020-01-09
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This serves as the second complaint on TransUnion. On XXXX XXXX I received an email from CFPB stating that TransUnion is still working the issue and to give them 60 days. However, after contacting TransUnion they advised me that it was closed on XXXX XX/XX/2020. Which contradicts the response they provided you. Additionally the name, address, and other vital information is incorrect. I was advised also on XX/XX/2020 that the dispute was actually cancelled which was a technical issued. As per XXXX ( supervisor ).

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 2020-11-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Manager ; This is a violation of my medical rights and definitely a violation of both FDCPA and HIPPA violations. Listen, I was shocked when I reviewed my credit report today and I still found a medical collection from CFSI or Commonwealth Financial services for {$2100.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have never had any relationships with this company listed and i really don't want to waste my time going back and forth. I honestly do not believe to ever have any relationship with this collection agency or original creditor. I called them and they mentioned it's an old medical account from XXXX from XXXX XXXX XXXX  which i have NO RECOLLECTION and when i asked the representative, she said that she's going to place it under dispute for now. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had late payments on XXXX of XXXX and XXXX of XXXX due to me being hospitalized for XXXX XXXXXXXX the previous month before making it impossible for me to make the payments on time for both instances. I reached out to XXXX  XXXX bank and informed them of the situation and they said that is understandable and can remove it or stop reporting it as late but I need to file a dispute with the credit bureaus. I did this to no avail, in fact, each time I dispute it they close it with in XXXX with no seeming investigation.

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 2016-02-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I was locked out of my CitiBank online account. 
I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. 
New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.

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 2016-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I mistakenly sent an electronic payment on XXXX to Synchrony credit card company which the balance on the card was {$480.00}. The {$750.00} electronic payment was suppose to go another creditor. When I called Synchrony on XXXX, the agent said they had n't received any money and because I only owed {$480.00} and the payment was {$750.00}, they 'd more than likely kick the payment back. I called twice on XXXX, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, XXXX, And then I 'm told the acct was charged off and sold to a third party collection agency and they have no longer have access to any information about the account. I 'm given the collection agency 's number. I called the agency, they have no record of me or my account and tell me to wait 10 days to call to see if they have received my information from Synchrony. I talked to the supervisor 's supervisor at Synchrony and he admits that the account was just charged off on XXXX. In the mean time, the credit card company is holding the {$750.00} to eventually forward the payment to collection agency and tell me to get any overpayment difference from them. Synchrony would n't admit they have the {$750.00} even though I do n't have the money ( it 's deducted from my checking account since XXXX ) nor does the collection agency ( I 'm yet a client of theirs ) have the money. Logic stands to reason that Synchrony has the 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 2016-03-12
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, XXXX XXXX XXXX, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within XXXX days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX Places Apts ) 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 non-monetary relief
Consumer complaint received 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My bill due date with America express was XX/XX/XXXX I paid it on XX/XX/XXXX the total amount due of {$110.00} on the new month of XXXX I paid {$400.00} on XX/XX/XXXX. American express did not count this towards my XXXX bill and now has charged me a {$38.00} stating my XXXX payment didnt count for XXXX. Requested reversal of late fe and was declined the agent wouldent identified them self all in screen shot of chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2022-02-19
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I wrote to Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that Equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to Equifax and Equifax have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXXXXX ( XXXX XXXX  ) and XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX  ) XXXX XXXX XXXX XXXX I also understand that Equifax is required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. Because they have not done so please have them remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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 tried to close my account and they told me they would turn me in the credit bureau.  XXXX   2017ask f or for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?

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