BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: Porsche Financial Services, 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: Account status incorrect

Complaint:
BENTLEY FINANCIAL SERVIC Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XX/XX/XXXX-XX/XX/XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XX/XX/XXXX-XX/XX/XXXX. After XX/XX/XXXX THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. Bentley had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from Bentley financial. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe XXXX {$550.00}. I owe XXXX {$0.00}. I have attempted to investigate this matter with XXXX six times since yesterday, but I have not received meaningful contact from XXXX. I was also on hold with the XXXX Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to XXXX, I would have been notified directly by the company first. Finally, XXXX issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that XXXX owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted XXXX  and XXXX. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I reached out to all three credit bureaus XXXX, Transunion and XXXX by mail regard the inaccuracies of this account. XXXX XXXX XXXX this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and Transunion This account is reporting as open and active this is inaccurate. Please delete this inaccurate account 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 certified mailed a letter informing XXXX, XXXX, and Transunion of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or around XX/XX/2022, Synchrony Bank started block consumer from accessing their Sam Club credit card accounts. I have been unable to pull statements, verify transaction and process payments. My bill was due XX/XX/2022, I should be able to pay said bill via computer which currently being denied and charged/access late payment fees while website is down or under construction. This is an deceptive business practice to generate late fee income plain and simple.

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 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear XXXX, I found your email on site as I can not get anyone on the phone or XXXX  chat. 

I am writing for assistance with a mistake my husband made paying my card ( old account ). This happened back several years ago Case XXXX, for which I have attached the resolution letter. 

In essence, my husband who pays our bills, pays them online, and posted the payment due on my account to a closed account of ours, another BOA account, totally by mistake. 

I contacted BOA when I received notice the bill was late. I told them it was paid, according to my husband. BOA found that it had been posted, yet to an old, closed account, instead of mine. 

They fixed it and posted to mine. 

However, it has been reported on my credit bureau accounts, all 3, as a delinquency and continues to be reported as such. It really is misrepresenting the situation. 

I was in contact with BOA during the time that this mistake was being researched and they assured me that they would address this issue with the credit bureaus, as I was very concerned about its impact upon me. 

Here I am, nearly 2.5 years later learning it is still out there being reported as a delinquency. 

I am therefore appealing to you for assistance and asking AGAIN for a goodwill adjustment, and having it taken off my credit report. 

If you can not help, can you please provide me assistance with how I can contact someone who can? I am a good customer. 

Attachment : BOA letter Sincerely, 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 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Today XX/XX/XXXX i went to the bank of america branch after talking to online support they stated that i needed to go verify my identity since i havent shown id and what not .. needless to say when i got there its all blocked off everyones worried about covid. I talked to a banker by the name XXXX who didnt even say a word actually to me about anything i told him i wanted to keep my account with boa but not the one i was having suspicious activity, he said well then whats the difference between one and the other, well theres a huge difference my account was being frauded through online and it still would have the same acct and routing numbers .. now i have disputes up the XXXX  XXXX  and even had more fraud charges when i looked at the paper he gave me, he just said take this up to the teller and ur all set. well excuse me but i disputed all of these charges my account online was not allowed to log on and my phone banking everything so i didnt know anything activity wise .. now im out of a bank account because he didnt open one when i asked and im out of all the money becuase it cant be disputed properly without an active account where i can get my temporary credit while i wait for it ..AND ITS COVID CMON BANK OF AMERICA OPEN ME UP A NEW CHECKING ACCOUNT AND HELP AMERICANS NOT HURT US THIS HAPPENED AT XXXX XXXX XXXX XXXX, XXXX  , MI 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 monetary relief
Consumer complaint received 2016-01-30
Company: BB&T CORPORATION
State: WV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Equifax several letters over 3 months requesting validation of the XXXX account they have on my report. I have not received any paper work like I requested that XXXX is indeed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.

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 2020-09-29
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Seterus, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My ex filed bankruptcy on a mortgage for a house that we are both on the loan. For 2 plus years I have been trying to find out if the mortgage payments were being applied correctly and if their was a monthly mortgage payment that was missed. Never have I received any correspondence from them nor have I been told on the phone whether or the monthly mortgage payments were made and if any payments were missed. Back in XXXX of this year ( 2016 ) when I called once again about the mortgage trying to get information they finally told me that the mortgage had been behind XXXX for over a year and they were charging me late payment fees of {$500.00} and inspection fees of {$310.00}. A lady named " XXXX '' told me to write a letter to Seterus explaining that I was never told for over 2 years about any late payments and never received any letter in the mail and that since I made a good faith effort in catching up the mortgage payments that she thought I had an excellent chance to get the fees waived. Well today, XXXX XXXX, 2016 I just received the companies response back and they denied waiving the fees. I called them immediately at XXXX and their csr whom I spoke to agreed that their was no way for me to know about any payments, payment history etc but she was unable to do anything about it. In addition they are now reporting it as negative on my credit report which again, I had no way of knowing whether or not the mortgage was behind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of 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 2022-08-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted XXXX XXXX with Equifax XXXX XXXX because I was not being properly helped when I submitted fraud disputes. I have been the victim of identity theft and have been having a problem for many years with people opening accounts in my name and making inquiries into my credit history. I have provided Equifax with a copy of my police report, my identity theft affidavit, and other relevant information to prove I was a victim of fraud. Most recently I forwarded XXXX XXXX Equifax XXXX XXXX a actual fraudulent letter that I had received from a hacker/scammer that was demanding money from me fraudulently and they had included my social security number in the scam letter. I provided this to XXXX XXXX so that he would be assured that I was sincere in my efforts to be assisted because I was continuing to be the victim of fraud. XXXX XXXX took my complaint to him, and forwarded it to the consumer affairs department and did n't even bother to call me. When I called to follow up on the matter I spoke to someone named XXXX who claimed to be a supervisor in the XXXX. She told me that Equifax was not treating my claim as a fraud dispute, but as a regular dispute and that they did n't believe that I was a victim of fraud. What more could I have done but to actually provide a letter form a hacker/scammer. I have also been given free assistance from the Department XXXX XXXX XXXX because my personal information was breeched through their website ... .and I have provided a letter stating as such from the XXXX. I have been mistreated and not helped by Equifax even when I have provided over whelming proof of what I was experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I have had an account with XXXX through Barclays bank. I closed the account in XXXX. It is now almost XXXX. They have continued activity on the closed account -- including BOTH giving me a refund for extra money in the account after it was paid off AND then adding new charges and trying to charge me late fees. I can not get these people to just close the account, even though I paid the balance down to 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 2017-10-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation