BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
SNYCB / Paypal credit card They opened a credit card account in my name WITHOUT an application from me! between XX/XX/2023 and XX/XX/2023, this card was added to my credit report I made NO request for this account NOR did I file an application for this account. 
I do not want this account! 


Calling them to get this problem rectified is also Problem as you are on Hold for ever! 
All the guy on phone does is apologize, and refuses to explain how or why the application was made on their part. 

This has resulted in a Hard inquiry on my credit and a reduction of my credit line. 

They are not willing to say what happened or why and also claim it will not affect my Paypal account. BUT I do not believe them. I have had my Pay pal account for years and never had a Problem BUT at this point I may be closing 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 2017-11-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull 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 2023-02-10
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
key bank, sent offer of {$200.00} to open XXXX account. online it said went to web site www.key.com/personal/promo site said must be XXXX, us citizen, resident of ... Colorado .... 
opening indiv account clicked through and page said " your request cant be completed '' visit nearest branch i went to a branch and told them of offer and they opened account and switch my direct deposit - later they contacted me and said had to be online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received coupon code from chase for opening account and receiving checking bonus ( get {$220.00} when you open a Chase XXXX XXXX account and set up direct deposit within 90 days ). When I applied for this account and opened it I received the following message from chase : " Your account is open, but we couldn't apply your coupon at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-29
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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 NUMEROUS 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 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 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 2016-09-25
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Instarem PTE Limited
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems I raised a cfpb case before and the response came out as due to BSA regulation but I wanted to know the specifics of the regulation that stipulates holdings electronic personal records just for signing up for a digital service. I want a copy of regulation pdf pointed to specific page and section.. My prior complaint was closed for some in appropriate reasons and therefore Im opening new one Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have tried calling Edfinancial four times, and all times I have been on hold for over an hour and had to go to work. I have checked my account, I have sent several emails with no answer, and now I was forced to autopay an amount that was too high, with a higher amount coming out in XXXX. Edfinancial is saying I need to pay XXXX a month, which is higher than my mortgage. I am chronically ill and went back to school to get my XXXX so that I could become a XXXX XXXX XXXXXXXX. Due to my chronic illness, I can only work part-time and will only be paid a fraction of my salary until I get XXXX hours completed in the XXXX XXXX XXXX. I work in a rural town and have mostly XXXX clients, which even lessens my salary more. I am now making less than I made with Social Security. Never did I imagine a payment that would threaten to take everything. I felt somewhat relieved when XXXX XXXX tried to help but offered the XXXX program. When I went to XXXX and applied for the program and it said it would be XXXX a month. I can make this work for now. We were planning on buying a new house and moving so that I have less of a drive, but now we are stuck with spending no money and selling everything to try and make any sort of payment. This company is predatory in not answering the phone and not responding to emails, and not processing the SAVE.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-05
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/2018 sun loans calls my sister in law otherwise referred to as a " third party '' attempting to call me although they have my phone number they make harrassing calls and threats and even let a third party know I have a open loan which is a clear violation of my FCRA rights I also advised them on several occasions I am unemployed and to Cease & Desist under U.S Civil Code 1592c section c however they refuse and my references have asked them several times to stop calling and they continue to harrass referenceces.

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 2018-09-05
Company: ALLY FINANCIAL INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I responded to an ad on XXXX and paid {$90.00} through XXXX for 2 XXXX concert tickets. I never got the tickets. When I called Ally Bank they said they were FDIC insured and would be able to get my money back. They then sent a letter on the XX/XX/XXXX saying that the transaction was legitimate and they would be unable to get my money back.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : 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 2023-05-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for a Synchrony Bank Care Credit Card in XX/XX/XXXX. I made on time payments every month, and never missed any payments. My credit limit was {$9500.00} and my balance was about {$3800.00}. Synchrony Bank said they conduct an account review on everyone 's account every 6 months to determine if the need to make changes to the account. 

They decided to decrease my limit from {$9500.00} to {$4000.00} which put me over 30 % utilization causing my credit score to drop. Then in XX/XX/XXXX my bank account was compromised, I contacted Synchrony Bank to inform them before the payment was returned, instead of them allowing to make another payment, they closed my account XX/XX/XXXX for 1 returned payment. 

They followed up with closing my XXXX XXXX, and decreased my limit with American Eagle from {$500.00} to {$400.00} dollars, once again putting me over 30 % utilization. 
I have never had anything like this happen to me with any other creditor, they have treated me very unfair.

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 2019-12-05
Company: Navient Solutions, LLC.
State: OH
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:
these loans was a forbearance these loans was defferred and in XXXX XXXX any lates was covered my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/2022 in the amount of {$330.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: ECMC GROUP, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name. 
I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages. 
I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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