BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!

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 2015-05-02
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Issue: Late fee

Complaint:
I have tried to make online payments with Synchrony bank and XXXX the payments have not cleared because of their servers. I have have written a letter and sent to XXXX address 's disputing my additional charges and no one will contact me other than debt collectors who say they ca n't do anything about me being charged additional fees even though I have fold them all I have disputed the charges in writing, I have asked to talk to someone who can help and they say I must pay all late fees and it does not matter that I have written letters disputing the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXXXXXX XXXX. I did not authorize this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX XXXX. I did not authorize this at all.

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 2016-07-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About one month ago, my bank account with Chime has been suspended for any reason. I called the customer service and they said I have to send email with my verification information, I did send the day and no responses. I received saying that they still need more information and I send them all document I have. They still saying that They can not verifies. Every day, I have to call 45 mins and talk to a manager and send 20 email but still received the same response. they say my account can not be restores if I do not send my information but all people I talked to saying they sent my information but I do not know why it still not resolve. I asked to close my account and the service customer saying it can not be close because it suspended. They holding my pay check from my job about 3 weeks now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: AL
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 XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX 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 2016-07-06
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Sale of account

Complaint:
Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. 

Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
A credit card at XXXX XXXX  XXXX was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.

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 2022-10-11
Company: Upgrade, Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upgrade, Inc states they report to all three major credit bureaus on the last day of the month. I made a large principal payment to a loan on XX/XX/XXXX. XXXX states my balance was last reported on XX/XX/XXXX, but it does not reflect that payment. XXXX states they have not reported since XX/XX/XXXX. There is no consistency to this reporting and a month later I am still waiting for them to report the accurate balance. They state this was reported on XX/XX/XXXX, but they also state they are unable to provide written confirmation to me showing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX number # XXXX, Account number : 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 explanation
Consumer complaint received 2022-06-05
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use XXXX for everything as a result I have the Google play store on my phone. If I want to buy an app or book or anything like that I need to do it through Google. My Google pay account was suspended for suspicious activity they said but there's no way that's true as when they did it my last purchase was over a week before this. I've tried submitting the necessary documents. They wanted a picture of my drivers license and a picture of my statement from whatever payment I used last ro purchase something which was my XXXX as thats what I generally use for all of google purchases. I haven't heard back from anyone on it. I tried to call and it just went in circles. After covid they have a smaller team so there may be delays that make it take longer, no one knows how long or if it will even be fixed. I was told it usually takes 24 hours which it's been and no response from anyone. I requested to speak with a supervisor in the hopes of getting some answers on when it will be fixed and was told I was the next person on her list to call. It took almost two hours for her to call me. I unfortunately missed that call as it was so late at night. If I had been told it would be that long then I would of had them call me back the next day. The whole experience has been horrible and worst customer service experience I've had in a very long time. All I wanted was to buy some items in a game I play which it looks like I will miss out on since they are only available for a this weekend and then there was a bonus point event for the same app to get extra points for purchase that ends today that I'll be missing out on as well. I even tried to buy a Google gift card separately to just add it to my account to use in the meantime. Nope I can't do that either apparently. Poor communication skills and poor customer service from Google. Most companies when they think there have been fraudulent charges on your account freeze your account immediately since if thats really the case then they need to stop any further transactions. Doing it so long after the fact doesn't make sense. I have another Google account but I guess I'm also not allowed to make purchases on it either since it says do not use another account to make purchases on Google or it will be suspended as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hi, sorry to bother you. I had an account with ( XXXX ) and they made a business decision to close out all of their consumer 's credit cards and open up new credit cards using the personal information that they already had. They mentioned that they alerted the consumers of this change but I didn't receive notice. I never gave anyone permission to open up a new account using my credit information. I wrote to all 3 bureaus and contacted my local attorney general 's office as well as the company ( XXXX ) I don't think it's legal to take someone's personal identification to open up an account on their behalf because it's beneficial to your company. I never opened a new account. I asked the company repeatedly to close and remove this tradeline that I didn't open nor gave permission to open and I keep getting a runaround. They finally closed the account but are refusing to remove it from my credit report. The company is at fault for failing to confirm with the consumer beforehand when it comes to opening up a line of credit using someone's social security number and other identifying factors. XXXX works with individuals that have poor credit, bad credit, and no credit. I feel this is predatory as well because I don't think this happens with other companies, I have several other cards and this has never happened. No one should have the right to open up a line of credit in your name, even a business that already has your information. Below I have included letters from XXXX mentioning that 1 ) It was a business decision 2 ) There was nothing the consumer could do about it ( even though it's the consumer 's information ) 3 ) They clearly state that the consumer didn't open a new account. Thank you for your time, I hope you can help.

Company response to consumer: Closed with explanation