BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Paypal Credit rejected my payment of {$1500.00} on XX/XX/2021. Attaching the email indicating rejected. I contacted my bank and the back office/technical person stated Paypal Credit had not attempted to even process the payment. Funds are more than sufficient. This bank account was successfully debited by Paypal Credit XXXX XX/XX/XXXX and XX/XX/XXXX, no changes to the payment method had been made. 

When I called Paypal Credit after talking with the bank, the {$1500.00} payment had mysteriously been accepted and the customer service individual issued an overpayment refund check in the amount of XXXX. Attaching the transaction history.

Today I logged in and Paypal Credit Adjusted my balance by {$1500.00} essentially reversing the payment going from a XXXX balance on this closed account to a current balance of {$1500.00}. I contacted my bank and still no effort by Paypal to complete the submitted payment from XX/XX/XXXX. I have recorded phone calls to Paypal Credit going over the details of both paid off and reversed adjustment, letting the agents know they were being recorded that well document the situation.

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 2020-05-22
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wired money from my credit union to bank of America and they won't release my money, this is over three months old.

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 monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MS
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Best Buy credit card for years. I made a promotional purchase that, due to unforeseen issues, I was not able to pay in full within the timeframe. So when it expired, all accrued interest was added to the account, making to balance go over the credit limit. Instead of doing like most credit cards, blocking the card until balance goes below the limit over a period of time while accruing interest, they make the full overage amount plus principle due on the next payment. My payment went from {$150.00} a month to {$1200.00}. There is no where in the disclosure that says that will happen and is Unfair, Deceptive, and Abusive practice. Furthermore, it completely goes against the Fair Lending laws, in which no cost of debt is provided. I entered a settlement with Citibank to pay the card off in XX/XX/2020. However, COVID19 hit, my wife lost her job and I lost half of my income. I ask to extend the payoff, and the manager says that due to fair lending, they can not. Fair lending has NOTHING to do with a nationally declared pandemic. There is no reason they can not extend the terms of the settlement. I need to feed my family. There is absolutely no reason that Citibank can not postpone the settlement payment at least a month or two. That does not, in any way, violate any fair lending laws. In fact, quite the opposite. Instead they want to be greedy. They could never, to this date produce an accurate statement, regardless of how many times I asked. This bank needs to be looked at for IDAAP violations and CARES Act violations. The deceptive trade practices are, proven in court, illegal and it is time they are held accountable.

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 2023-06-29
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payments not being applied to promotional charges. Fees being applied. After numerous calls to apply payments to promotional balances, payments were still not applied. More calls were made. Keep getting disconnected when calls are made to credit card company. Please refer to all phone request made from XXXX through XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
According to the FCRA this company XXXX XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my 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 2021-09-28
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with XXXX on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through XXXX for years, but this is an issue that is encouraging me to refinance my vehicle.

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 2023-06-09
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2018-08-17
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this alleged debt and the collection company that is collecting the debt. I ask for an original bill of the debt and company didnt provide me with such details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED.

1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX   Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MD
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: AR
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:
XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2022-12-29
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In short, the bank, in this case Chase Bank, continues to charge my personal checking account a $ XXXX XXXX fee even though XXXX ) I have sufficient funds to avoid this XXXX service fee and XXXX ) I have linked my business account with a balance of {$5000.00}, which also means I do not owe this fee. 

I am making this complaint because I have had to call Chase XXXX separate times to have them refund these service fee charges, which they have done, BUT they also informed me that their computer system may so this again because it sometimes does not recognize that its customers have sufficient balance in their account and will charge them anyway! XXXX. I respectfully request that you, the CFPB look into inappropriate service fees charged by Chase to its customers, as you all did with XXXX XXXX recently, which resulted in a large fine to the bank. 

I have attached a snapshot of my account activity as evidence. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a first mortgage with Quicken loans. I have started the process of refinancing with another mortgage broker. The refinance company called Quicken loans for a payoff statement and gave out my personal information like social security number, date of birth etc, to Quicken loans and charged {$25.00} dollars on my mortgage at Quicken Loans for the payoff statement.Yes, another company thought it was ok to act in my behalf without my knowledge and charge my account for {$25.00} Another third party should not be allowed to call any of my personal credit accounts, including my mortgage holder and be allowed to approve a charge to my account. The name of the refinance company is XXXX. I have tried to call Quicken to get them to remove the {$25.00} dollars from my account as I did not authorize anyone to call and add any amount of money to my account balance. No charges should be allowed to happen this way. Whats next, because they have pulled my credit information, are they going to be allowed to call a credit card company I hold and charge money to those accounts. I should be able to send Quicken a bill for the hundreds of phone calls and emails I get from them trying to get me to refinance with them. This company still calls even after I told them to remove me from their call lists. It's {$25.00} I know, but I did not authorize it. If they can get away with this, than any amount they can charge. 
Please help me resolve this. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My bank account was charged for {$500.00} without my consent today XX/XX/2023. I neither provided my bank account information nor consented to auto-charges. Furthermore, my consolidated loans have been split into multiple loans which has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
CAPITALONE ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring CAPITAL ONE to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. CAPITAL ONE 'S policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, Mid-Alantic Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Co Account XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 604 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 m. y 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 2022-12-06
Company: Experian Information Solutions Inc.
State: MS
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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