BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have taken the liberty of compiling all of the credit card and credit limits that have been affected due to Synchrony Bank 's harsh and detrimental behavior. The credit cards are as follo w  s : 1.   TJ Maxx/Marshalls  XXXX   XXXX   XXXX   XXXX , card ending in  XXXX , {$2400.00} limit - closed completely in  XXXX  without explanation and had a {$0.00} balance, open since  XXXX , never late 2.  XXXX , card ending in  XXXX , {$6000.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered without explanation, open since  XXXX , never la te 3 .   XXXX   XXXX    XXXX , card ending in  XXXX , {$5000.00} limit - lowered to {$630.00} and had a {$200.00} balance when lowered without explanation, open since  XXXX , neve r late 4. Walmart,  card ending in  XXXX , {$1200.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered, just recently closed  XXXX / XXXX / XXXX  without explanation, open since  XXXX , never  la  te 5. Amazon   Prime, card  ending in  XXXX , {$2500.00} limit - lowered to {$100.00} and had a credit of {$140.00} when lowered without explanation, open since  XXXX , nev er late 6.   XXXX   XXXX   XXXX   XXXX  , card ending in  XXXX , {$3500.00} limit - lowered to {$1500.00} and had a balance of {$1200.00} when lowered without explanation, open since  XXXX , never  late 7.  Care Credit, card ending in  XXXX , {$3900.00} limit - lowered to {$2900.00} and had a {$0.00} balance when lowered, just recently closed on  XXXX  without explanation and open since  XXXX , never  late Total affec ted amounts : {$24000.0 0} New limit totals :  {$2300.00} Now you can clearly see why I am upset and am boycotting these stores. This entire situation has impacted my credit negatively. Synchrony Bank not once reached out to me during their credit lowering and closing process.     Thank you again,  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 2021-05-24
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Someone made a accout with my information and had money money tranfer to a America express bank and i was not get loads of money deposited but i reported but still never seen my XXXX from there.it been 10 days I need my money tranferred out that account to my unemployment XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this company with XXXX and XXXX. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. XXXX and Transunion is the only XXXX still have this on my credit report. XXXX and Transunion are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX # XXXX unverified 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When the 2nd round of stimulus checks were deposited into my Wells Fargo account, I had a negative account, Wells Fargo took it upon themselves to " temporarily '' credit the negative account I was in. I had NO idea this was happening, and I actually would have preferred they didn't do this. On XX/XX/XXXX they decided it was time to pay themselves back the " temporary credit '' of {$320.00} with a days notice via email. If I wouldn't have deposited an estate check a day before ( which really wasn't that much ), that {$320.00} would have put me in the hole and they would have charged me another fee, that statement is per the operator I just talked to. I have been trying to get that money put back into my account and I set up payments and they refuse to do so. So I am out {$320.00} without notice during " trying times '' as they put it and they don't care. I am so frustrated, money is so tight right now and I am just out of that amount just like that. I will pay it back but I honestly can't in full but no one seems to care about the little guy, Wells Fargo is just " nope, sorry ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
- I Got a TransUnion Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent TransUnion a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - TransUnion received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from TransUnion to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to TransUnion with a copy my Debt Validation/Dispute letter to XXXX XXXX XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the XXXX XXXX receipt of the Debt Validation/Dispute. 

- TransUnion received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the XXXX XXXX XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 TransUnion is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It XXXX Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my TransUnion 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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} I XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.

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 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute on XXXX XXXX, 2016. I have not had a response to the dispute. I called customer service and requested to speak with manager after not getting the information I was requesting from representative and representative would not transfer me after multiple request.

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 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BARCLAYS BANK DELAWARE
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:
I am a customer of Barclaycard and have XXXX of their high-end XXXX XXXXXXXX XXXX products. I live in XXXX, Texas. On XX/XX/2020, someone charged nearly {$800.00} twice at a lumber supply company in upstate New York. We disputed the charge. Two months later, a letter arrived telling us that the merchant had provided information to demonstrate we were liable for the charges. I called the number on XX/XX/XXXX. They said they would send the information that the merchant had provided. Two weeks later, when nothing had arrived, I called. I waited on hold for 30 minutes. They person who answered said that he could tell that the information was mailed to me on XX/XX/XXXX, 6 days after my call. I have now waited another week. It's XX/XX/XXXX. Nothing has come yet. As I type this, I have been on hold another 30 minutes. This is not acceptable service. We were not in upstate New York buying lumber the day before XXXX XXXXXXXX XXXX XXXXXXXX. Someone clearly committed fraud with our card. This company is not taking care of 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 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report reflects an account in collectio for XXXX dollars. 
I called the collection company and this account belongs to XXXX. 
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details 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 2021-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I get an inquiries in my credit report for a company I do n't know. I request this inquiries to be removed from Transunion immediately. XXXX XXXX is not a company I know.

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 2021-05-25
Company: Freedom Mortgage Company
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, I have been informed when I started myForbearance Plan that my credit score will not be affected. This has also beenwritten in your Forbearance Plan that credit scores will not be affected.

The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ).

I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair.

Please, I am looking forward to helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX LOAN # 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 2021-05-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I ordered a bedroom set with XXXX XXXX through my Synchrony bank Credit Card store card. 
The delivery men delivered 4 of the 5 pieces into the room upstairs. On the 5th piece of furniture, I advised him to please becareful with the walls, I noticed he hit the walls with other pieces and the blinds causing damage. He right after said he needs to call customer service to have them have me sign a form. I advised him sign a form for what? He said to release liability, I advised him 4 of the 5 pieces are already delivered in the room, shouldn't this have been done in the beginning. He said yes, but it wasn't and now they are requesting it. He said I need to sign the form to have all pieces delivered, if not he will have to take all other pieces out of the room and i will be charged a 15 % restocking fee. I advised him I didn't agree to this nor sign for anything. He said I could take this up with XXXX XXXX and went upstairs and removed the 4 pieces already delivered. I have been disputing this with XXXX XXXX and Synchrony, but no response just the balance due to Synchrony. They're not wanting to assist nor provide any proof that this is due, but the balance keeps appearing on my credit card statement.

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 2021-05-24
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I discover that my money was wired back in XX/XX/XXXX in the early XXXX, after I lost my job during the Covid disaster, and I report to the bank and citi bank said FDIC will not insure if I don't report within a month from XX/XX/XXXX. However, I use citibank as my backup saving bank for disaster when I lost a job, so I try to get my money to paid for tuition, and mortgage, and than I realize the {$20000.00} was wired by a fraud activity. I lost the job, and now people steal my money, and citibank deny my claim, and I never receive any monthly bank statement. and they said I should check online all the time. and I have dispute the claim, and they still said I should read the client policy, that I was notify to report the fraud with in a month, when I open the account, most of the time, when we open a bank account, they gave us more than 10 pages, and who will read all the policy, and that is why FDIC insurance for accident or incident like mine. so I wonder how to get my lost money back from Citi bank, and I have been on the phone with them back and forth more than 10 times, and their customer service is very bad and transferred me to wrong department.

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 2021-05-24
Company: T.S. Holdings
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data International has listed an account on my credit report and is continually calling me and adding interest monthly to a balance that has already been paid through a garnishment. I called the attorney handling the garnishment XXXX XXXX XXXX and their collections department XXXX  XXXX and was informed that they do not use IQ Data for collections and had never heard of them. The attorney then contacted the original creditor to confirm that this account was not sold to or supposed to be handled by IQ Data and the original creditor stated that they only send accounts to the attorney on record and their collections department which is NOT IQ Data International. At this point everyone is baffled as to how this company got my information and has been adding interest to a balance monthly on my credit report for an account that was never owned by them and is now paid. Upon contacting IQ Data International trying to get this resolved I was spoken to rudely, told I owed it and was then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation