BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 2019-06-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear, I have Paypal account and amount of money on Paypal balance from selling product. I did withdraw funds XXXXUSD from my Paypal balance and sent that money to my XXXX bank account on 1XX/XX/2019 but it's not successful. I lose XXXX of withdrawing fund and XXXX of reversing money from my bank account.Paypal tell me to fix my information on paypal website. I already do that. I did withdraw funds XXXXusd again on XX/XX/2019 and lose XXXX again. But until now I still don't see my money appear on my XXXX bank account or reverse on my paypal balance. I contacted Paypal so many time but they don't answer me. I doubt that they are appropriating funds. Please help me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today XX/XX/2019 at XXXX XXXX I spoke with a gentlemen from the PNC Bank Escalations Department. He called me because of a complaint that I had done regarding my previous disputes. I told him about me being the victim of Identity theft and that there were ACH withdrawals made from an unauthorized creditor. My mailbox was broken into on several occasions and someone took my account information and social security number and has been using it to open up credit accounts and other bank accounts. As well they have been using my PNC Bank accounts to pay bills with those creditors. I have had to get a police report and an FTC Affidavit to help me fight these account and to dispute the withdrawals on my three PNC Bank Accounts. I was told to go to a branch and open up a new Virtual Account and get a new debit card and to then dispute all the withdrawals. So I went to the PNC Branch in XXXX, NJ inside a XXXX & XXXX after work and basically it was a complete waste of time. The ladies told me that they could not help me with the disputes because my account was negative and they would not be able to open me up new accounts because my account is compromised right now because it is negative and that the direct deposit I get will be used to cover the negative balance. The account is negative because of all the reversal of provisional credits and the withdrawals. They also stated that there was no information left from the Escalations Department stating that I was a victim of identity theft. You know what I just need some help please. I have attached the ACH withdrawals that I want to dispute, the police report and the FTC Affidavit. Please help me to get my money returned. Thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received a due date extension change from Capital One Auto Finance on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from captial one auto on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX Capital One Auto Finance receive a paid in full payment for over XXXX paying the account in full however Capital One is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to capital one auto finance and it has yet to be corrected. Due to this error by Capital One Financial I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-22
Company: Experian Information Solutions Inc.
State: MI
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:
15 USC 1681b and 12 CFR 1022.3h 2 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Well the company has stolen my personal information to sell to credit bureaus and has refused to delete from my credit. As per United States, bankruptcy court. The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records.with that bin said they are fraudulent reporting to Trans Union

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 2018-02-02
Company: U.S. BANCORP
State: AZ
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:
I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 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 2019-08-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 my loan was sold to XXXX loan servicing by XXXX XXXX. Since being with this new servicer, the handling of my loan has been to say the least a disaster. I am in a HAMP incentive repayment program which was never handled correctly, and my loan payments have been misapplied. I was also advised by a supervisor in the United States that I could make a partial payment as there was money sitting in suspense that could be applied to principal. Other staff members of Rushmore took it upon themselves to reverse all this and to make a further disaster of my loan activity. Rushmore is now reporting me incorrectly 30 days late to the credit bureaus. I have tried more than multiple times to resolve this problem. Each time I call and speak with a supervisor I'm assured that I will have no negative credit reporting and that the problems are being fixed. They are not. The only person that tried to help me that is employed by Rushmore is a woman  named XXXX in XXXX customer service. She assured me to send a secured message to Rushmore asking them not to report me as incorrectly delinquent and yet they did it anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I applied for a Mattress Firm Credit Card. The initial limit was set at {$4000.00}, but the purchase was {$4300.00}. So I asked the employee to see what he can do. He called his manager, worked his magic, and informed me that he was able to raise my credit limit to {$4400.00}. So we went ahead with the order. The next week, I was alerted by XXXX, XXXX, and XXXX, that my credit score had just plummeted by XXXX points. The reason was that I was over my limit. Upon doing some digging I found that my credit limit on the card was not increased to {$4400.00}, it was still at {$4000.00}. But he was able to place the order at 110 % of my credit limit. While I'm certain that my score would've dropped by virtue of applying for the card and taking out a purchase that would be near my limit. However, I am also certain that the score would not have dropped nearly as much. On XX/XX/XXXX, the same day I discovered the score decrease, I complained to Mattress Firm and they issued me a {$400.00} credit. However, my credit score ( that I took years to build ) is still deflated. A Mattress Firm customer service associate informed me that I could write a letter to Synchrony Bank ( the company that hosts Mattress Firms credit cards ) and ask them to remove the derogatory remark. I sent this letter back in XXXX and I have still heard no indication that they received the letter.

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 2019-06-16
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 PNC Bank charged me an overdraft fee three times despite the fact that my account had a positive balance of {$19.00}. Those three fees ( {$36.00} each ) caused my account to be overdrawn, which then resulted in a cascade of additional fees, totaling {$390.00}. My account is now overdrawn {$680.00}, with {$390.00} of that being fees charged by PNC. PNC refused to refund the fees when I contacted them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18
Company: Credit Karma, LLC
State: MT
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 was checking my credit karma.com account and saw several addresses on my account in the drop down menu.I contacted Credit Karma.com and asked them to remove the inaccurate/false information from my account.They refused citing/lying that they got/received the inaccurate/false information from the three credit reporting bureaus.This is 100 % false because there are no such addresses on my credit reports as all three credit bureaus have confirmed for me several times but credit karma.com to this day refuses to remove the inaccurate/false information from my credit karma.com account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account # XXXX is damaging my credit worthiness due to lack of missing information. This account has no original owner attached, nor does it have the terms of the contract, date closed, and other important information! This is a violation of the ( FCRA ) and consider unverified, and inaccurate reporting! Please delete this item immediately ( XXXX XXXX XXXX  ) per federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was repossessed I pay to get it back and been paying on it since i got my car back but yesterday I call because I need to extend my payment and I was told that my loan was charged off But I been paying on my car for months it show on my card report that it was charged off and XX/XX/22 but I still been paying on my car I also was Charged a down payment when I first got my car I have a payments do this Friday for XXXX I don't have my title for my car I have all my paperwork my car still has balance of XXXX you can contact me a 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 2023-09-12
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This bill is in collections for an ambulance ride. I have medical insurance that was given to the original company AND the collection company however the collection company said they can not submit to insurance. I do not owe this debt because I have medical insurance to pay for it. I disputed it on my credit, they just updated it so now it would be on my credit even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Transunion Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from Transunion Credit Report. XXXX XXXX also has since been removed and blocked from my XXXX  Credit Report. I've sent Transunion Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect XXXX and Transunion to adhere to the Fair Credit Reporting Act by immediately removing these accounts 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