BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a long standing customer with Synchrony Financial and have several accounts with them. I have tried to contact them over over the past month to see if they would could help out lower my rates with the pandemic and did get assistance for my CareCredit  account that I have used for health care costs however, 2 of my accounts were randomly closed for reasons of my credit score being low when I have always been in good standing, made my payments on time and even had substantial credit available. One of the accounts is for Rooms To GO that I hadn't used for several years that up until XXXX of 2020 had a {$0.00} balance and purchased new furniture. Some of the furniture had to be returned and made a different choice which they had yet to reconcile the balance which says I have a negative balance. Now they closed the account saying I'm a risky customer when one they need to reconcile and afterwards would have significant credit available and always made my payments on time and greater than the minimum balance. The other account is a CarCenter One account with nearly {$1000.00} available in credit, always made payments on time. I tried to get my rates lowered and they stated I had the lowest rates and now the closed the accounts, saying the only way to reopen is to apply for new acccounts which would negatively affect my credit which is the same reason they closed the accounts, stating too many inquiries and too many balances. I feel this was unfair treatment of a longtime customer that has always made payments on time, asked for help during this timeframe of being in a pandemic, account not even been reconciled correctly to display the correct credit available while having more than enough credit available and now shutting them down. Now I'm afraid they will close the CareCredit Account which is something that I need desperately in case of an emergency for healthcare needs for these very same reasons which has not been close to the high balance and I've alway been in good standing. I plead that they do NOT close that 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 explanation
Consumer complaint received 2019-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured credit card three years ago. Since then the company has increased the limit of my " secured '' credit card to {$5000.00} from {$500.00}. {$500.00} was the deposit that i had made to open my secured credit card. When i ask for the XXXX $ back, the company refuses to give it back citing that it is a secured product and is unwilling to upgrade me to a unsecured card despite having a very good credit history and great credit score.  They say they have no process to upgrade and the customer can't ask for an upgrade. My XXXX $ deposit is sitting locked up without me being able to earn any interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This XXXX account should also be removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX has been notified of my incorrect account balance for a XXXX account which should be showing 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 2020-01-21
Company: STATE FARM BANK, FSB
State: CA
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 have contacted XXXX numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called State Farm Bank nor gave anyone else the permission or the authorization to use my information. I have contacted XXXX  to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. XXXX   never conducted a proper investigation. I have requested their method of verification from XXXX   and from State Farm Bank but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with State farm Bank is a result of mail fraud, please help me resolve this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze with Transunion. Transunion processed my credit card for the amount of {$10.00} but then claimed they could not complete the security freeze. This was at XXXX at night XXXX XXXX which I doubt is high load time for their website. They offer not easy recourse to recover the fee they charged.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$4800.00}

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 2023-01-11
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX  a check was issued and paid to Credit Corp Solutions to pay a old CC debt in the amount of {$5600.00} that originated from XXXX XXXX XXXX XXXX On that very same day Attorney XXXX XXXX XXXX XXXX. filed a law suite in XXXX XXXX XXXX XXXX on behalf of Credit Corp Solutions stating this debt had not been paid. I have made several contacts to XXXX XXXX XXXX without a reply for past XXXX weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. XXXX & XXXX XXXX. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the XXXX XXXX of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.

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 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX and XXXX  and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Bread Financial Holdings, Inc.
State: GA
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:
On XX/XX/2023 I received an interest fee on a statement balance that I paid in full in order to not incur any interest fees and to zero out my balance. The statement balance was paid before the due date and they are attempting to make me pay an interest fee on an account that has been paid in full. They have also stated that their company does not waive interest fees after an account has been paid in full. 

Re : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Paypal Holdings, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XXXX this paypal company would not admit to law enforcement agencies that they lied about XXXX XXXX and XXXX XXXX connected paypal account under XXXX XXXX XXXX dba name. I have signed XXXX XXXX up with his permission and he was right there with me giving me his social security number. He lied to his father who was a lXXXX  and then acted like his identity was stolen which is was not. He had part ownership in my XXXX. His parents gave him XXXX and I XXXX them for him to make a little money. I can't believe the politician 's up in congress and senate allowed this company to even be class action banned. This is illegal what they did to my business partner and i and unethical. XXXX women or women of XXXX religion need their male business partner to do business and taxes. This violated religious rights and human rights of both XXXX and XXXX belief system. This trump administration got caught purposely denying sba loans to XXXX owned restaurants in XXXX, n.y. who had to liquiate curtains just to pay their bills. The worker there said in XXXX she was sick of her drivers smelling of XXXX thankyou for saying something to those politicians up in washington. This is human rights violations of this company. By the way my first dba was XXXX XXXX  which XXXX XXXX that may of been offensive to the XXXX religion and the 2nd dba was XXXX XXXX XXXX to save the other business mans life. He didn't know how important the XXXX XXXX XXXX company name XXXX  was to saving his life. A bunch of real XXXX  could of come after him so I was his father to know the XXXX  company had to be formed. His father would not admit it to law enforcement or tax agencies either that I know of. I am not a theif or identity theif either. He should never have lied. Now this president trump denied my sba loan because of suspected perjury and i have no other way out than to hire a professional lawyer. If i had my stimulas funds i could of done that. Someone took my XXXX XXXX funds away by removing my debit card from my mail box and i want to know why. I also want to know why the president abused his presidential powers by delaying things opening. I needed my stimulas check even though it probably is dirty seized XXXX XXXX MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX XXXXXXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth CircuitXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.

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 2018-05-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX   actually removed the debt on XX/XX/XXXX but added it back to credit profile on 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 2018-05-09
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loan in XX/XX/XXXX after learning about pslfp XX/XX/XXXX believing my loan would be forgiven at some point. Now in looking at my loan, it isnt the correct repayment plan to qualify. I work in public service and knowing that I was consolidating my loans, I was never informed at the time that my loan would not qualify for any public service forgiveness. Navient/sallie mar have continued to withhold information which could have helped with my loan. Im now with a loan Ive paid several thousand dollars on and will receive no forgiveness. They mislead individuals or withhold information to line their pockets at the expense of customers. Very frustrated that I was not given any correct information or help when consolidating my loan in anticipation of forgiveness. I also do not believe they have applied my payments correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I misplaced my CareCredit Mastercard when I moved to my new house. I called MySynchrony on XX/XX/2021 to ask that they send me a new card, preferably with my original card numbers. They could not send one with the original card numbers but they said they were sending one. I use my CareCredit Mastercard for many purchases, including vet visits because of the reward benefits and the promotional purchase benefits. I just went to my XXXX to pick up XXXX for my XXXX cat and was told they were unable to locate my account. I logged into my CareCredit/Synchrony Bank account online and it is showing my account it closed with a XXXX dollar balance. 

My cat is extremely XXXX and is scheduled to have a XXXX on Thursday, XX/XX/2021, which I need to be able to use my CareCredit so that I can charge it under a promotional purchase and finance for 0 % for 6 months. However, your company has disabled my ability to ( 1 ) use my over {$11000.00} available credit ; ( 2 ) finance my cat 's XXXX for XXXX at 0 % ; and ( XXXX ) made it so that I will not receive the reward benefits for charging her procedure. Not only has this created undue financial hardship, it has also created emotional hardship, as I am going to have to figure out what I am going to do at this point since my cat has to have this procedure to assist with diagnosing her XXXX. It make zero sense that my account shows as closed with a XXXX dollar balance but your company states I owe over {$3000.00} but there is no way for me to access that account. Also, your representative knew I had not received my card, but he activated it. Then, I am told that it is activated ( and is somewhere in the mail ) but I still do not have access to the account. 

Previously, all of my encounters with your company have been wonderful. At this point, I am seriously disappointed with your company and the lack of quality or care offered to my situation. I have been a great customer for approximately 10 years. I make my payments on time. It makes ZERO sense that your company has disabled my ability to use MY account which I have a credit limit of {$15000.00} because of a reason no one knows. Also, it make zero sense that if I went and opened a CareCredit account right now at a XXXX, I would have access to use the account, but you can't give an established customer access to their 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 explanation
Consumer complaint received 2020-07-30
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Sallie Mae is a Scam the ask for many cosigners and all your information to denied and the interest rate is fraudulent they offer 1.25 % and you have 25 % charge in the account Is SCAM and they get all your and cosigner personal information fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation