BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Paid a merchant {$3900.00} XX/XX/XXXX with Paypal Credit through Paypal invoice. Merchant destroyed my property consisting of two Custom made saddles. The lockdowns delayed my getting anything done to have my saddles looked at by a XXXX XXXX Maker until this past spring. In the meantime, the merchant refused to refund my money. I opened a dispute to get my money back from the credit card company XX/XX/XXXX. I traveled out of town to take both of my destroyed items to the XXXX XXXX maker in XXXX of XXXX to see if they could be fixed. He uncovered the damage to them. They are both unusable and were actually made dangerous. 
First dispute was denied. Their reasoning was that the merchant did what he was supposed to do. The supervisor told me to get the XXXX XXXX statement pointing out the damage as expert statements would back up my case. The dispute was reopened in XXXX. I can not find the exact date. 
I had provided every email to Paypal Credit. I provided photographs before and after of both saddes. I provided the expert statement on how the merchant ruined my saddles. I also provided a second expert statement that goes above and beyond what they requested. 
I have still been denied my refund. Paypal says that it was denied because the merchant does not have the items. No one ever told me that I had to send them back. I left them both at the XXXX XXXX  as they are no longer usable. Now I am out both items and my money that was sent through Paypal.

Paypal does not stand behind the buyer even when they provide every single piece of information that was requested. Paypal would tell me that they would send me hard copy letters in the mail with any findings. They never did. They never kept in contact with me. I would call and get the run around. No one ever gave answers to my questions as to whether or not they needed any more information. I spent three months jumping through hoops for Paypal only to be denied.

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 2023-03-31
Company: DISCOVER BANK
State: AL
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 have contacted Discover card multiple times regarding an account that they are reporting on my credit report. I let them know that the account does not belong to me in several conversations. I have sent in requests to Discover asking for verification of the accounts per FCRA laws. They sent me a bunch of statements claiming to be mine. I have contacted the credit bureaus on this matter and they continue to say that Discover has verified the account to be mine. I was a victim of identity theft and I provided Discover with the police report I had filed several years ago on this. They are still refusing to remove the fraudulent accounts from my credit report. I am requesting that the account be removed immediately. Discover continues to update my credit report monthly which is against FCRA and increases the amount of time that this will stay on my report. This account needs to be removed. Please see a copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: AZ
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:
equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: American Credit Acceptance, LLC
State: NJ
Product: Credit reporting 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, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: GA
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on TransUnion and one that I am aware of at this time on XXXX. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my XXXX Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both TransUnion and XXXX say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.

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 2024-01-08
Company: MCU Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
IT WAS STOLEN XXXX MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH THESE XXXX COMPANIES XXXX XXXX MCU HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT HAS ALREADY BEEN REPORTING TO THE POLICE DEPARTMENT FOR FRAUD.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by Comenity Capital Bank. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through XXXX. 
I reached out to XXXX and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or Comenity Capital bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 ask Portfolio Recovery Associates to validate a debt that I supposed to own. They never did. I mailed a letter out certified onXX/XX/2023. it is now XX/XX/2023 and I never received anything in the mail. They are still trying to collect on this debt, without providing any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I tried to enabled my Base coin account although I disabled it by mistake, But the only thing they let me do is to sign in, but for some reason it keeps kicking me out because it will no longer excepts my ID for verification purposes, So i am back from the beginning to get back into my Base coin account, I did this over and over again and tried through my app on my phone also, They tell me there is an issue and that my founds are safe, do not attempt to try app again on my cell phone, I have yet to retrieve my account from these people with my funds still in there! ... And have not heard back from them from the last response that i wrote to them through my email!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 third 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX*Balance : {$7900.00}

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 2023-02-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX reported a collection to Experian in XXXX for a debt from XXXX. They waited 10 years to even report it to Experian and Experian still has not removed it from my report. The only thing that Experian states every time I dispute this account is that the collection agency said it is accurate. They dont explain why its acceptable that the collection agency was allowed to wait 10 years to report it or why its acceptable that its still on my credit report when the debt is 15 years old. They provide no documentation verifying the accuracy. Ive made 4 disputes through Experian and also called them to explain the situation. Today, Ive called 10 times. They kept transferring me and disconnecting me. I spent several hours on the phone.

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 2021-02-11
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX a noticed was received in the mail from a collection agency to my father who has XXXX  away. The notice indicated it was issued by the XXXX XXXX XXXX XXXX. I owned a vehicle with my father and did attend the XXXX  college of XXXX. I contacted the XXXX Police on XXXX XXXX at approximately XXXX and was advised this would be the parking section. At approximately XXXX I was able to talk to a live person, I indicated that I have never received notice of a parking ticket and this was the first time a notice was seen from a collection agency. I was advised they are doing an audit and trying to reclaim unpaid tickets. I was then told that the ticket was left on my window and that they have a photo of this ticket left on XX/XX/XXXX. I advised that the ticket was never received or it would have been paid then if it was known to me, the women stated that people don't go around removing tickets. Again I indicated that I did not get the notice or a ticket. At this point I asked what the original amount of the ticket was and was told it was for XXXX, I indicated I would pay that amount to settle this debt. I was told to pay to collection company but I would still owe the full XXXX. I than asked to speak to the supervisor and was placed on permanent hold. I hung up to call directly at XXXX and was directed to XXXX and asked to speak to the Manager of the parking department. I was transferred to XXXX the Parking Business Manager. I advised her that the ticket was never received and that I would like to settle this debt with the original amount and indicated that the ticket was never received or it would have been paid that day. I also indicated that I would be happy to pay the XXXX today but was told that it would still be in collections and that the car was in my fathers and my name and I will need to pay the debt because they had also mailed out notification to the address verified. I again indicated that the only notice received was a collection notice on XX/XX/XXXX by US mail and this in unfair practice when I am trying to take care of this matter and pay the XXXX. I had indicated that again I did not get a ticket and I would like to take care of this now. Given that we are currently under a pandemic and some people just can't pay or afford to pay bills at this time this was not ethical. I was then told it was going to collections and she refused to take the payment of XXXX offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have been receiving relentless phone calls from a company Portfolio Recovery. I am not sure if this was medical, credit etc. I have become permanently XXXX in the year ofXX/XX/2005, which is why I was not able to pay any of my bills. This creditor is calling me about a bill that has occurred over 15 years ago and has reached its statute of limitations in the State Of New York. I am currently on XXXX XXXX and have a difficult time getting around. Please stop this company from their illegal practices so that I may rest during the day instead of consistently being interrupted. 

Thanking You In Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX, I initially applied for an account with Navy Federal. They denied me with no explanation or letter as to why I was denied. Ive applied XXXX XXXX. In XX/XX/XXXX, I reapplied. They confirmation stated I needed to hand in verifying documents for my identity. When I went into the branch a week later, XXXX, a rep at XXXX XXXX XXXX XXXX said she check me in and I would be next. XXXX minutes went by and in that time XXXX other customers walked in and needed to speak to a representative. I waited over an hour before I walked out. within that time, there was no communication and XXXX saw the other customers before me. I called the customer service line but not XXXX person addressed my concerns. I decided to go into the branch again on XX/XX/XXXX to speak with the branch manager. I spoke with XXXX and he stated they use a outside agency named XXXX and they denied me. I called XXXX, the Agent could not find me in his system and asked me for my information to build a profile I refused. I called XXXX XXXX ( branch manager ) back and now he stated the back office just needs my identity and mailing address confirmed. I handed him my ss card, VA ID, DL, proof of residency, up to this day, I have not received any notification as to opening my account. Ive called the customer service line, they blame the branch, I go into the branch, they treat me as if Im not worthy to branch at a bank that was build for me. I have emails, records, recorded calls, numerous supervisors names and this is now the second time Ive handed Navy federal my personal information and it is exposed to them for them to not deal with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief