BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: SYNCHRONY FINANCIAL
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a credit card with SYNCHRONY bank through Verizon that is now closed. I paid off the credit card back in XX/XX/2022, the payment was rejected, but when they told me, I paid the balance in full plus all leftover interest charges on XXXX, and then they did not update the payments made again in their own system, and didn't apply those payments to the XX/XX/2022 statement, and they did in fact receive payment, because it is even listed on another area of their site, but even stranger, is I can't find any record of the payment, and I checked my checking, business checking, XXXX card, both my XXXX XXXX credit card accounts, and I can't find it, but I know I paid it. This is exremely concerning, and extremely fraudulent. I talked to customer service and made sure that that would be my final payment, for sure, and it was confirmed that it would be, and they are still sending me emails!!! I just received a new bill from them by email XX/XX/XXXX! I've contacted Verizon about this multiple times.

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 2023-01-23
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: Account status incorrect

Complaint:
Account shows as a missed payment on all 3 Credit Reporting Companies : TransUnion, XXXX, and XXXX. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all 3 credit reporting companies. 
I disputed online all 3 with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXX 's bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian shows 1 late payment for XXXX XXXX on XX/XX/2019. 
I have never been late on this account and the account is now closed. 

XXXX and XXXX show the same account with ZERO late payments. 

Per US Code 1881e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like to have Experian to correct the report to show no late payment on 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 2023-01-23
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 XXXX XXXX XXXX scammed me of {$84.00} I never received the service I have filed a police report on fraud as well as a recorded phone call with the merchant. And the bank will not stop the payment from the merchant. I should be in control as to what and where my money is spent if I said I was scammed why should I have to wait for the merchant to get my funds back? when u can stop payment after all it is my money and I shouldnt be able to be scammed that easy with no rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I contacted Credit Karma for help to withdraw money from the savings account I have with them which is where I keep my emergency fund and transfer to my checking account. The current checking account attached to the credit karma save account is closed and I need to update and link the new checking account number from my financial institution XXXXXXXX XXXX. For some reason there is a glitch in their computer system because the link to change checking account numbers for withdrawals does not work. I tried multiple browsers, computer, tablet, iphone, android and nothing. I have been emailing their customer service for two weeks with no solutions. Lately they do not even respond to my messages. All they have to do is delete the old closed checking account linked to the savings so I can add the new one. I have no way of speaking to a live person on the phone or requesting a manager etc. I am now facing financial problems from this interest charges, unpaid bills I and am extremely stressed out. I JUST WANT MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Experian, FTC identity theft report Reference number : XXXX Review the FTC documents attached. 
I XXXX XXXX XXXX XXXX request to remove immediately the credit account, because is fraudulent and opened by someone else XXXX XXXX XXXX  account number XXXX, is listed as closed on my credit report. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$6000.00} was withdrawn from my account on XX/XX/XXXX - it was unauthorized - US Bank claims they withdrew this to offset payment on business Credit card from XXXX. I never signed an agreement for that card. Never approved an offset - and the debt on the card is disputed. Further more the account was open with Union Bank and converted to US Bank by acquisition so I never opened and checking account with USBank I was converted to US Bank - I signed up fior Union bank checking account and the money withdrawn was from a Union Bank account I signed up for not a US Bank account. These funds being taken from my joint account are causing financial hardship and irreparable damage to my financial reputation. 

Further I did discuss with Union Bank branch manager prior to the conversion if any of the terms of my account would change and was assured that thru XX/XX/XXXX the account would have and follow all the terms of Union Bank and my agreements with Union Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For over two years this lender has misreported my auto loan. On XX/XX/XXXX I emailed XXXX ; informing that the credit reporting agencies ( Experian, XXXX, XXXX ) were not displaying timely and accurate information. On XX/XX/XXXX, I emailed XXXX saying the same thing. On XXXX I visited one of their branches. I spoke with XXXX XXXX. Finally the CRAs were updated with an accurate balance of {$6400.00}. However my payment history Since XXXX has not been reported. I have followed up with multiple emails since XXXX of XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to fix this. Ive paid this auto loan in full on XX/XX/XXXX. However, the account still shows inaccurately across the credit reporting agencies.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
I HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY 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 2023-03-09
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The dates mentioned I were late in making my payments were incorrect and unverifiable. I never paid late and I was never notified .Please update the payment history immediately for the accuracy of my report. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-01-23
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i had a debt in collections listed under the name LVNV FUNDINC LLC that i won the judgement against and had removed from my credit report in the amount of {XXXX Now this company is putting me back into collections again for the same XXXX} that i won a judgement against them for, but under a new company name listed as XXXX XXXXXXXX So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-06-15
Company: Affirm Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive paid all my accounts in FULL!! This company has been calling me, repeatedly, threatening me and discriminating against me!! They have given my personal and private information out to people, other than myself! I have included a screenshot of multiple calls from their company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CCS Financial Services, Inc.
State: GA
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 was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-01-23
Company: EQUIFAX, INC.
State: NC
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:
There are 7 incorrect hard applications on my Equifax credit report. I have filed 3 disputes with Equifax and have been told i would have to wait 2 yrs before the entries would rotate off my report. I have addressed 5 of the seven entries with the companies on the report none of the entries can they find where i have applied for credit through them. So I have just gotten off the phone with Equifax .They can't explain ( XXXX XXXX ) what to do since I have filed three disputes over the Equifax site and been denied. They want me to contact the companies again and have them notify Equifax. its odd that all the companies have stated that they have not received any notifications or requests from Equifax regarding my entries. But Equifax states they have notified them to denie my dispute. I asked to speak with a supervisor, that took quite awhile to come on line., His name was XXXX ( he refused to give me his last name ) he said I had to notify another dept in Equifax , but he could transfer me to that dept. And couldn't tell me how to reach them. any way Equifax id giving me a run around and their info is not factual. I need help with resolving this erroneous entries on my credit report. I can provide each company involved and dates as necessary. Please let me know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : American Express is reporting an alleged account with a balance of {$5800.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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 Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numbeXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 an 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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Returned an item and never got my refund XX/XX/22 {$300.00}

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reached out to XXXX credit union about 2 accounts i do not recognize on my acount and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and credit cards were open using my name and old address. my new address has also showed up as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the correct address is 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 2023-01-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo decided after 7 years of using my account for the same thing that I violated there policies of account use. 7 years I have been using my venmo for the exact same thing amd a the sudden I'm deactivated for life. Now I have {$7700.00} in that closed account that I can't access and they have no sense of urgency to help me or even respond to me. I have a famliy to support and all they want to do is sit on their XXXX and hidden behind emails only while the contract customer service to XXXX and teach them to copy and past XXXX. Pathetic is an understatement for how they do business amd it should be illegal for them to steal my money.

Company response to consumer: Closed with explanation