BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a joint savings account for myself and my husband at Synchrony Bank in XX/XX/XXXX. For this account, I was able to complete required disclosures online. 

At that time, I also opened XXXX savings accounts for my minor children at Synchrony Bank. 

I was unable to open the children 's accounts online, so I had to call the bank. Because of this, the bank had to mail physical paper signature cards to me to sign on behalf of my children. 

I signed them and mailed them back in XXXX of XXXX. 

The cards were rejected because the scanner could not " see '' the teal ink of my pen. I was sent a letter that they didn't receive the signature cards, no other explanation. 

I uploaded new signature cards for each child to the Synchrony Bank website, as instructed by a telephone rep. The signature card for XXXX child was processed, but the other XXXX children were not processed. 

I received no indication that anything was wrong until I received XXXX for each child in XX/XX/XXXX that there was backup withholding being taken from the interest payments on their accounts. There was no indication of backup withholding on any of the children 's statements, and no letter or phone call ever alerted me that this was occurring. 

In late XXXX of XXXX, I began trying to solve the issue and get the backup withholding removed. After several phone calls, Synchrony Bank finally explained to me that the scanner that received the original signature cards for the children 's accounts did not detect the ink from my pen. I asked them to pull the original documents and re-scan them, and I was told that the signature cards are destroyed immediately upon scanning, so this could not be done. I was also told that the backup withholding had not been removed from my children 's accounts, and that they could not tell me why. I was asked to re-upload the signature cards for the XXXX children that were inexplicably not processed. 

I did that in XXXX of XXXX, and upon calling back on XX/XX/XXXX, was informed that the second set of signature cards did not have the correct naming convention printed on them ( DUE TO BANK ERROR ) and that they would need new signature cards from me... again... and that the backup withholding wouldn't be removed until they had them. 

In addition, I received XXXX letters in XX/XX/XXXX, addressed to the minor children ( not to me, the adult on the accounts ) that they needed substitute XXXX because Synchrony Bank XXXX XXXX their TINs were incorrect. Again, the children clearly can not sign these. 

Synchrony 's banking practices surrounding backup withholding are deceptive in that you receive no notice, can't get it corrected in a timely manner, and the statements give ABSOLUTELY NO INDICATION that it is occurring.

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 2023-01-31
Company: EQUIFAX, INC.
State: TN
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: CA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 604 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Credit Reporting Agency are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report they have stated that the data Furniture of information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.

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 2023-02-08
Company: EQUIFAX, INC.
State: OH
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
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. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased windows and installation agreement with XXXX XXXX on XXXX XX/XX/XXXX for 5 windows. 
Received call on XXXX XX/XX/XXXX that grid pattern could not be made ; would call me back in XX/XX/XXXX to provide update, but never called me back. 

Installers came to house on XXXX XX/XX/XXXX with 5 windows. Grid pattern did not match 3 windows. I did not accept windows. Installers did not install these windows. Installers took these windows with them. Installers only installed 2 sidelights. I called XXXX XXXX while installers were at my house and they told me they would write a note on my account that I did not accept windows due to wrong grid pattern. I sent an email to XXXX XXXX as well. I contacted XXXX XXXX several times between XXXX XXXX XX/XX/XXXX, nobody called me back. I disputed charge. I have tried to followup with this case multiple times with XXXX XXXX customer care, but I have not been successful. Sales manager, XXXX XXXX told me that he was going to refund me, but then stopped the process and stopped communication when I wouldn't drop the dispute. The installation manager named XXXX called me at some point and mentioned he had to talk with another manager, but never called me back. Please be aware, this was a second order of windows of XXXX XXXX I purchased with a problem. It is unclear why this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XXXX. Lexis Nexis is violating the law for NOT removing the wrongful false entry on my XXXX XXXX report from XXXX XXXX XXXX XXXX ( see attached ) XXXX XXXX XXXX is their insured who broke my ankle. THIS IS NOT MY LOSS. 

FCRA : DELETE IMMEDIATELY, it is not loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a charged off account on my credit reports. When I looked at my reports and saw this account I found that each bureau was reporting drastically different information and I find that funny because if all three credit bureaus get their information from the same place, how can they all report multiple inaccuracies? It is illegal for the bureaus to report inaccurate information on a consumers report and I am requesting that this account is deleted from my reports given that they are in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had an auto loan with Wells Fargo. How can I find out if I am owed money from their gap insurance settlement? 
I also had a checking account and was charged a ridiculous amount of insufficient fund 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 explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am XXXX XXXX XXXX and living on a fixed income of my monthly social security benefits. My wife passed away last year and I contacted Kohls in XXXX of 2022 to ask to lower my interest rate on my outstanding Kohls card balance. They would not lower my interest rate and I've been making the minimum monthly payment of {$42.00} per month but with the 30.74 % interest rate the monthly interest charge is {$30.00}. At this rate I have been unable to lower my principal balance at all and I will never be able to pay off this balance.I have been paying this minimum monthly balance for many years so the company has made significant money from my interest payments. 

I called Kohls again on Saturday XX/XX/XXXX and asked to have my interest rate lowered so I could keep paying on this account. Now that my wife passed away and I don't not have her social security payments my only option is to defualt on this account if I can not get an interest free arrangement. I feel this is financial elder abuse and I have tried to resolve it myself and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 Remove these inquiries from my XXXX XXXXXXXX XXXX XXXX  Remove these inquiries from my 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 2023-03-01
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.

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 2023-01-19
Company: Paramount GR Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX was contacted to discuss XXXX request for a pause of payment for malfunctioning solar systems. Our system is still not functioning correctly. We were told the issue would be escalated and we would receive a call back about the issue. It has been weeks and we have not received a phone call and payments have not been paused.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 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

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 2023-02-16
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted at XXXX XX/XX/2023 from Penn Credit Corporation by XXXX who would not provide me her last name nor any contact information. She notified me that there was a debt collection agency trying to contact to collect a debt and asked me to verify my full name and give her my address. I refused to do both and asked who was trying to collect the money and how much money was to be collected. She refused to provide me with that information until I gave her my personal information first. I attempted to collect more information from her but she refused any further attempts to gain her contact information or the exact debt amount or debt collector I should be working with. I asked her to remove me from her calling list since I'm registered with the national do not call registry. She hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have hard inquiries on my credit report The names of these hard inquiries are XXXX XXXX & XXXX the dates of the these fraudulent inquiries as of today. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are XXXX XXXX ( bank ),, XXXX XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation