BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony is playing a little game with me now. 

I always OVERPAY what I owe despite that our system is so warped, my XXXX XXXX is LOWERED for trying to pay off my debts. My XXXX. What DO you people do? ANYTHING? You just seem like a glorified secretarial service. We complain, you send it to them but NOTHING EVER CHANGES with the system. Honestly, we have no idea what CFPB does. 

XX/XX/2022 -- I doubled my owed payment of {$30.00} to {$60.00}. 
XX/XX/2022 -- I paid {$200.00} on my bill. 
XX/XX/2022 -- I paid {$100.00}. 

All of this is WAY WAY over what I owe. Then I get a notice from Synchrony I have " defaulted '' on a payment from XXXX and they charge me greater interest and a late fee despite that I am OVERPAYING the minimum. The XX/XX/XXXX payment was to cover the XXXX payment as well that they now say is delinquent. Now they are threatening me with highest interest rate and fees. Again, like a XXXX XXXX. How can I be in default when I have overpaid to the tune of over {$200.00}? 

Just to get them to leave me alone, I signed up or auto-payment but then they sent me an email they do not start until XX/XX/XXXX. This is new. 

I hate being f with. Really really hate it esp when I am trying to pay off my debts. There is NOTHING late. I have OVERPAID. They need to remove the latest " late payment '' and why suddenly has my auto payment date changed? All designed to XXXX me over.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Two frauds were done in my account first one was resolved the second one was filed and they want me to wait 72 hours for a response its friday that money was for me to pay my rent and they dont care they say they do but they dont have more resources to help me with being a big company they can not do more today XX/XX/2023 is the last day to pay rent landlord stated he will start evcition and will not stop it.

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2023-06-08
Company: EQUIFAX, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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:
Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit equifax, XXXX, and XXXX XXXX shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I have had a major issue with TRANSUNION not reporting my account information correctly even after the data furnisher submitted multiple times off cycle updated account information. I have sent in the documents from the furnisher and called over 100 times. 
The issues started in XXXX XXXX XXXX  and still going on.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: NJ
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 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 sw 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in facts therefore exists

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 2023-05-09
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ This is on my Equifax Report. I tried to dispute this with the company, and they have not did anything to resolve this issue. I am not aware of these accounts. Law states I have a right to a validation letter which was not shown. Even still, my information is not to be shared to 3rd party without consent in wet ink. We can resolve this by Disputing this off of my EQUIFAX, XXXX ASAP. 

In best regards. Account holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to file a formal complaint against Experian regarding their alleged violation of the Fair Credit Reporting Act ( FCRA ). On [ XX/XX/XXXX ], I discovered that my credit file with Experian had been tampered with in a manner that negatively impacted my creditworthiness. The specific issues I encountered are as follows : Deletion of Current Address : Experian removed my current and accurate address from my credit report, making it impossible for creditors to verify my identity and residence. This deletion directly contravenes Section 1681e of the FCRA, which requires consumer reporting agencies to maintain accurate and complete consumer information. 

Addition of Inaccurate Address : Experian added an address to my credit file that I neither live at nor associate with. This unauthorized inclusion of an erroneous address is in violation of Section 1681e of the FCRA, which mandates the reporting of accurate and relevant information. 

As a result of these erroneous changes to my credit report, I applied for credit and was denied based on the discrepancy between my true address and the fabricated one. I contacted Experian to rectify this situation by requesting the removal of the inaccurate address and the reinstatement of my correct address, which should be reflected on my credit report. However, Experian informed me that XXXX XXXX had instructed them to remove my correct address.

I believe that Experian 's actions not only damaged my creditworthiness but also violated the following provisions of the FCRA : Section 1681i ( a ) - Requirement to promptly investigate consumer disputes. 
Section 1681s-2 ( b ) - Duties of furnishers of information to consumer reporting agencies.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Experian for their failure to comply with the FCRA. I also urge you to ensure that my credit file is promptly corrected to reflect my accurate and current address.

Enclosed with this complaint, please find copies of my credit report, correspondence with Experian, and any other relevant documents to support my case.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Sincerely,

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 2023-01-10
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 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 an alleged fraud or extortion. 
XXXX XXXXXXXX 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 2023-10-11
Company: Block, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
We received notice from Square that they " recently reviewed [ our ] account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. '' In addition, the email went on to say " Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within XXXX business days after XX/XX/2023. '' We are a small XXXX XXXX XXXX XXXX XXXX XXXX that needs all of the funds that our patients have paid. We used Square solely so patients with health or flexible savings accounts could pay for our services with their cards. We are licensed by the state of XXXX  as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are also licensed by the federal XXXX XXXX XXXX XXXX XXXX XXXX and are accredited by XXXX, an international accreditation board. There is nothing suspicious in any way about our business, the manner in which it is conducted, or payments made to us. 

I called to see if there was a misunderstanding that could be corrected, but was informed that Square has a policy of not informing anyone, including our organization of why they deactivated our account and seized our lawful funds.

I believe that if Square is going to seize our funds and hold them with no interest paid for 90 days they should have to provide some justification for doing so, which they again have refused to do. 

I appreciate your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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 an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I'm trying to pay my payment and the website is down and customer service can not access loan information at the moment.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.

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 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. Portfolio has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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:
Down below I have placed This creditor below because I know nothing of this account, and I am a bit bothered that although I spoke with all 3 bureaus nothing still has not been done about this being on my consumer report. Consumer law states that not only shall the Information that is placed on my consumer report be XXXX percent accurate but also 15 U.S. Code 1681e - Compliance procedures, A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). 

XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source Type Provided High Balance {$360.00} High Credit {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Mortgage Research Center, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Mortgage Research Center LLC has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX has violated my rights by improperly reporting to my credit report by violating these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Also States consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agency shall

Company response to consumer: Closed with explanation