BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
First, I was approved for this card that at the time I didnt even have a job ( Covid ) and did not have the credit or even really the means to pay, so I should of NEVER been approved. 
Then, I was charged a higher amount by the provider of service than what someone paying cash or regular card would be ( to cover their fees for using care credit- my understanding is that this goes against the contract ) I was also not allowed to choose the promotion, but was told the promotion would be no interest if paid in the period of time- my monthly payments were set and paid, but not set ( by care credit ) to pay the full amount off in the promotional period ( VERY MISLEADING )- I was then charged almost DOUBLE the initial transaction in interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Professional Debt Mediation, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a joint collection on my credit report. This is correct. There is also a duplicate of this same collection on my report owned by another company, but it is listed as single instead of joint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my license and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.

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 2023-08-30
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
Lexington law years ago, can't remeber when charged me upfront for their services. I don't know if they over charged me or what laws they've broken, now that I found out they've been scamming people this whole time I'll do more research

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: PR
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:
Dear Consumer Financial Protection Bureau representative, I recently reapplied for credit at a few companies but all credit applications were denied, despite having excellent credit. For the credit denial, both companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) claimed that they could not approve my credit application because they DID NOT RECEIVE MY EQUIFAX CREDIT REPORT.

I have already filed 2 complaints against Equifax but Equifax has never done anything to resolve my situation, see Exhibits 1, 2, 3 and 4 ). Equifax only replies requesting more information and documents. I send all the requested documents and they get back to me asking for additional documents. In fact, on XX/XX/2023, I mailed the third round of requested documents ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, and Exhibit 6 ) Why doesn't Equifax send my credit report to these and other companies where I apply for credit?

However, I have online account subscriptions with Equifax ( Exhibit 6 ), XXXX and XXXX and I can access my credit information with all three companies without any problem. At the time of writing this complaint, my credit scores with Equifax, XXXX, and XXXX are 810 ( Exhibit 6 ), 834, and 826 respectively. These credit scores were obtained directly from my online subscriptions with Equifax, XXXX and XXXX. All are considered excellent credit. I recently applied for a car loan in the amount of {$42000.00} and the credit application with XXXX XXXX XXXX was immediately approved with my credit information obtained from XXXX. 

This abusive and discriminatory situation on the part of Equifax has created great anguish, despair, frustration and health problems for me and my family in my XXXX XXXX XXXX XXXX. I needed to buy construction materials at XXXX XXXX to make repairs and improvements to my home. I have not been able to make repairs to my home because XXXX XXXX denied my credit application because they could not access my Equifax Credit Report. Such suffering, anguish, despair and emotional problems have caused me great economic losses and health problems. For the damages caused by Equifax 's attitude, I demand compensation in the amount of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Ocwen Financial Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OCWEN Account number XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My personal information where used to open several accounts under my name that I did not authorize or give consent to do so per Consumer ID XXXX XXXX XXXX XXXX has been a victim of identity theft Federal Trade Commission report of inquiries as well as inaccurate information

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company CAPITAL ONE BANK USA N was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : CAPITAL ONE BANK USA N - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: FL
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:
I have disputed these items with the 3 credit bureaus and have not received a response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
BMO acquired Bank of the West and notified us in advance that everything would carry over and no issues would arise from this transfer and all our information ( including login information for online banking ) would be usable on the BMO website. However it appears that not only did the information not carry over but the Bank of the West debit cards are no longer working so i can even check my account or use my money 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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion, XXXX and XXXX all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all XXXX 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 non-monetary relief
Consumer complaint received 2021-10-22
Company: College Ave Student Loan Servicing, LLC
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ive been in touch with this lender, CollegeAve, 10 times since this issue started. During Covid my father lost his job. I called asking if there was some way we could adjust the payments due to our income changing. He is my co-signer. They told me I could only defer it or make $ XXXX monthly payments. I wasnt thrilled about how low the only other payment option was, but I said I would go with that option. They put me on forbearance instead. The next month, when I went to make the payment, I called letting them know there was a mistake. I was told there was nothing they could do about it and I would have to wait the 6 months until the forbearance was up. I called 3 more times. I called again when they dinged my credit for a missed payment while I was on forbearance. After threatening to take legal action, it disappeared off of my credit report and student loan statement. I waited the 6 months to call again and attempt the {$25.00} option for the 2nd time ( or see if there were other options ) and was put back into forbearance. Again I was told there was nothing that could be done. My forbearance is up XX/XX/XXXX. I need an income based repayment plan. They have now added a year of interest to my balance. I was told my only option would be to refinance if I wanted something better suited for my income, but with my credit score alone I dont qualify for one. My co-signers credit has only taken a hit since not having work to pay his debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank if america issued me a debit card for my XXXX benefits to be deposited to several times I was locked out if my account and unable to use the money I had. a settlement check was issues to me but was sent to my old address and returned to the bank. I called them to try to change my address so it could be resent but I don't have the same email or a phone in my name for them to send a code to so they couldn't verify my identity or change my address they told me to go into a branch but I now live in XXXX and there are no branches here so they basically told me oh well. 
my ss # XXXX dob XX/XX/1986 address on file with bofa should be XXXX XXXX XXXX XXXXXXXX ca

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 2023-08-31
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday, XX/XX/2023, I received money on my PayPal ( PayPal Holdings, Inc. ) account for goods and services sub-totaling {$130.00}. After PayPal deducted an automatic fee of {$3.00}, the total that was received in my account was {$120.00}. 

Problem is, I was not the intended recipient, and I am given no option to review transactions before funds are deposited into my account. Per PayPal 's refund policy : " If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees ( including any applicable chargeback fee or Dispute fee ). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. '' Now, not only do I have to issue the refund for a transaction I have nothing to do with, but by policy, PayPal has placed the onus on me to pay out-of-pocket the {$3.00} that they automatically deducted. 

I was only finally able to get this resolved by calling their customer service line, where the fee was reversed and the full refund issued at no cost to me. There were no in-app options to pursue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2023-08-31
Company: CCF Intermediate Holdings LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received an email claiming I owed speedy cash XXXX. I have never used this company before but have applied to them recently and was denied. This email is threatening me and stating to send XXXX now or else they won't help me out. They even have a case number. That number is XXXX. There is no header on the email and the phrasing is off. I will save email in case it's needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 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 2021-10-22
Company: Aargon Agency, 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: Old information reappears or never goes away

Complaint:
It was taken of my credit report 2 different times and it shows up with different companies now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation