BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Sam 's Club is charging me for a bed I did not receive, it was ordered and cancelled before the order was shipped. They will not remove the charge.

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 2022-09-10
Company: Affirm Holdings, Inc
State: GA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  : Account number XXXX Credit Account Affirm Inc : Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Ive attached a copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX and XXXX XXXX credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXXXXXX XXXX XXXXXXXX loan that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX credit account was used to purchase merchandise in the state of XXXX  but I live in XXXX. The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX  XXXX to take out a credit card but the card was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that this limitation might have been placed due to a misunderstanding or an error, as I am confident that I have not violated any PayPal policies. 

I have been a loyal and responsible PayPal user for a considerable period of time, and I have always made sure to adhere to the platform 's guidelines and policies. Thus, the current situation has left me deeply perplexed and concerned. 

I kindly request that you initiate a thorough re-investigation into my case. I believe that upon review, you will find that there has been no breach of PayPal 's terms from my end. I am committed to resolving any potential issues and to providing any necessary documentation to support this claim.

It is my earnest appeal that you reconsider the limitation on my account. I understand the importance of security and policy enforcement, but I am convinced that this matter can be resolved with a fair evaluation of the facts. Restoring my account would not only reinstate my access to essential financial services but also reinstate my faith in the PayPal system. 

I genuinely value the services that PayPal offers and the convenience it brings to countless users like myself. I am hopeful that this matter can be resolved promptly and amicably. Your assistance in this regard is greatly appreciated. 

Thank you for your time and attention to this matter. I am eagerly looking forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: LA
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 is the balance but original balance was XXXX They sent me a alert but report is still not correct, XXXX has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSCARD, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently filed a CFPB complaint against Transcardgift which was closed without my consent. Transcardgift sent a card meant for me to an address I do not reside without my permission. Transcard gift is giving away my money/funds I am entitled to without my consent. Transcardgift must call that package/mail back and only send me physical mail at my address which is in XXXX XXXX XXXXXXXX during this calendar year ( 2023 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is for loans under my business provided in the attached letter. The company and I were in communication during covid-19. My business operates in the restaurant industry and we were completely shut down for several months in XXXX. I communicated with Mercedes Benz Financial Services ( XXXX ) on the monthly basis to determine my ability to pay. They said I was protected by th e covid-19 guidance and I could skip up to 3 payments. Every time said I was within the covid-19 guidance and this would not negatively impact my credit. When I applied to a loan with XXXX XXXX on XX/XX/XXXX, I sa w that they had reported me late for the three payments they arranged. I followed their company dispute process and received a letter I was denied. I have never been able to talk to a person or be told why. I have tried contacting them by phone and their message portal on their website. I have never been responded to further.
My dispute letter to Mercedes was prepared on XX/XX/XXXX. It included the two loans I have with them, they refer to them as contract numbers. The first loan is showing late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second loan showing late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also it shows a past due amount of {$950.00}. I did speak to a customer service rep and they said they could not see where I am past due any where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-06-24
Company: Experian Information Solutions Inc.
State: CO
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:
The credit bureaus can not be consistent on what they reflect on my credit report. I've been turned down on mortgages because of my scoring. From the attachments you will see the screen shots I've saved from my credit reports which were seen only a month apart. The discrepancy is for XXXX. XXXX report shows I was late XX/XX/XXXX. This is the month I paid for a {$300.00} secured credit card. You will also see status in XX/XX/XXXX as paid, closed. Then in XX/XX/XXXX, the status changed to XXXX past due. You will also see months late pages which is also inconsistent. I have a current complaint open for XXXX as well. I also want to know WHY my score with XXXX went down XXXX points! There is NO explanation on my 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 2022-09-10
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to make fraudulent charges on my credit card. Ive made several phone calls & sent several letters, and emails asking for this account to be removed off my credit as it is about {$450.00} worth of fraudulent charges. This account has been hindering me and causing emotional distress for almost 3 years and preventing me from purchasing a home. I am being punished for something I didnt do. Ive even noticed XXXX listed this account as a charge off and tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: LA
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 2019-09-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a charge off from Synchrony Bank XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}. This account was sold, to my knowledge, to XXXX XXXX collection agency as far back as XXXX 2019. I am in the process of paying this debt in full with XXXX. At the present time Synchrony is still reporting on my credit report that I owe them after sending numerous certified 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 explanation
Consumer complaint received 2023-12-19
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I switched insurance carriers on the mortgage. I transferred from XXXX ending on XX/XX/2023 to XXXX XXXX starting on XX/XX/2023. 

Freedom Mortgage is trying to charge me {$7.00} dollars annually for insurance coverage for XX/XX/2023. Even though I already had insurance thru XXXX for that day. Coverage lasted until XXXX XXXX and at XXXX XXXX on the XXXX XXXX XXXX became effective. 

I tried to resolve this with Freedom Mortgage but kept getting g the response that the industry standard is to have overlapping coverage. Neither insurance carrier nor anyone else I have talked to has heard of having to have overlapping coverage. Nor is overlapping covers in my mortgage contract. There is no need from the document I signed stating that I have to have dual insurance for a 24 hour period if I change carriers.

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 2023-08-30
Company: TrueAccord Corp.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers XXXX XXXX and XXXX XXXX However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

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 2022-09-05
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Bread Financial Holdings, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX  XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute. 
2. I called the card lost in XX/XX/XXXX. Then I never activated the card. 
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active. 
4. XX/XX/XXXX XXXX XXXX  billed us again from XXXX XXXX of XXXX. 
5. XXXX XXXX does not have my new card number. 
6. XXXX XXXX leaked my information to XXXX without my consent. 
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card. 
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX  XXXX  was the one that gave them my information without consent and authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE 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 explanation
Consumer complaint received 2022-07-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had just gotten a XXXX  XXXX  card which is through Comenity Bank. I used it 2-3 times during the first month. I have been trying to pay my bill for over a month online and on phone unsuccessfully, while it is accumulating interest. For a few weeks when I call they said their offices were temporarily closed due to unforeseen circumstances. Now when i call they keep you on hold and don't answer. Today i was on hold for XXXX hours before I hung up. 

I checked their facebook page and they have a notice I will post below. There are thousands of comments of people having the same issue and they are saying the bank is a Fraud. Please advise me what to do. This is the message : " You can service your account online using EasyPay and Account Center or by phone using our Automated Voice Response System. If you would like to speak to a member of our customer care team, you may experience longer than normal hold times. 
We know our recent system disruptions have been frustrating and inconvenient for some of our valued customers. We strive to deliver best-in-class experiences, but we have recently fallen short of the quality service you expect and deserve, and were committed to improving. Thank you for your patience. FAQs : XXXX XXXX

Company response to consumer: Closed with monetary relief