BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an amazon card for several years now through synchrony bank. I have never missed a payment in the years I have had it. However there was an error on the XXXX bank end that caused my payments to my card to be returned. With no warning Synchrony closed my card. This cut my home and business off, it is the only card I have for online shopping. I called several times, hung up on, transferred, hung up again, on hold. Over and over. They continued to try to talk me into applying for a new card. I'm trying to buy a car for the family and I can not have my credit effected, specially by something that isn't my fault. I was told that if i provided proof that my bank was responsible that they would reopen my card in 30 days. I provided bank statments showing the errors and that XXXX returned the over draft fees. syncrony investigated to make sure my amazon card balance was correct, I didn't ask for that, I wanted my card reopened. They continued to ignore me and only focused on my balance. It has been several months and I keep getting the same generic messages saying why my card is closed but they will not help me reopen it. I find this whole process to be abusive and unethical.

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 2018-11-24
Company: ALLY FINANCIAL INC.
State: AZ
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:
Ally Financial pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry on my XXXX XXXX credit report is fraudulent, unauthorized and not mine. I never applied for an auto loan with Ally Financial.

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 2021-11-08
Company: EQUIFAX, 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 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 2020-04-27
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Rebuplic Finance has violated my rights as a consumer by using unethical and predatory loan practices during the Covid-19 pandemic. My hours were cut at my job and I informed Republic Finance of my financial distress and uncertainty of my income. Not only did they call 2 times a day requesting payment but they also sent multiple letters requesting payment that led to additional emotional distress for me and my family. I have made on time payments since my first payment on XX/XX/XXXX. I called to request a relief due to loss of income and was told that the only relief that could offer was a one time reduction in payment that had to be paid right away on XX/XX/XXXX. I explained that I didn't have anymore income to replace what I had in my account and was told they only have that solution. The loan is predatory in nature with a 39.180 % interest rate and I had to list the televisions in my home as personal property collateral. Republic Finance has engaged in enfringement on my right to privacy, harassment from the multiple calls and request for payments. Statements from company were false and misleading and the constant communication has led to undue emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have PayPal account I have had for years. I reported Fraudulent activity on the card and the account was frozen. I tried to reach PayPal by phone and had no success for over a week. PayPal no external email or work phone numbers to contact them unless you log into their account. Today I decided to give it one last effort and I was able to get a reprehensive in chat. 
After an hour on chat I was able to access the account again. Upon reviewing my account, I found there were additional charges on the account not authorized. I told the representative about the charges and she said well PayPal has an end user agreement with all the people. 
I have had a PayPal account for well over 10 years and I have never had an issue with a dispute. I currently have three charges on the PayPal account that I have closed and did not make those purchases.

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 2021-10-22
Company: Village Capital & Investment LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The company had sent multiple notifications of insufficient insurance to cover the home and that they would be seeking to purchase additional insurance. I have provided proof of sufficient insurance on several occasions, both in XXXX of 2021 and XXXX of 2021. As the location is a condominium/townhome the coverage requirement is divided between the HOA and the homeowner ( " XXXX XXXX XXXX '' ). Despite being told over the phone that this error would be corrected in records and no further action will be needed, multiple letters have been received threatening the purchase of this additional insurance. 

During each phone conversation with the company confirmation of the call has been requested and the homeowner has been told by the company that no such confirmations exist. Additionally, despite receiving 'Employee IDs ' and 'Interaction Numbers ' from phone calls, company representatives deny the existence of previous calls. They claim this to be " For security reasons '' which is a blatant lie under any relevant information security standard. Additionally, the coordination between organizational departments results in a days-long process of contact at unknown times which provides untenable coordination for a working adult. 

At the time of this complaint these letters are perceived as a combination of harassment and extortion as the option to refinance with another organization is prohibitively expensive to the Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I sent Midland a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I opened the checking account, it came with a XXXX points which Citibank didn't honor in the first place. After filling CFPB complaint, Citibank finally " found '' the recored and deposited the points. I combined the points into my credit card account and closed my Citibank checking account. The agent did not mentioned that there was an expiration date for the combined thankyou points. I was trying to redeem these points on XX/XX/2019 at XXXX but Citibank thankyou points system had problem to process the payment. I called Citibank at XXXX for 17 minutes. The agent said there was a system issue to process the payment and did not mentioned about the expiration date either. Today, I found out my points were missing, and I called in. The agent told me that my points were expired on XX/XX/2019. The citibank thankyou points agent once again could not find any record that I had called on XX/XX/XXXX. After transferred to the supervisor, once again they " found '' my calling record on XX/XX/XXXX that I tried to redeem those points but I could not due to Citibank 's system issue. Despite not telling their customer about the expiration date, they did not let customer redeem within the expiration date. Moreover, they always could not find record regarding their own promotion. Even they finally honor their promotion, they will have system error to not let you redeem your points. It's pretty ugly business practice.

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 2020-04-27
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reason to believe I do not owe this debt, as I had closed my wireless account with XXXX on XX/XX/2018. 
I had cleared my account and returned all the equipments against which XXXX issued a XXXX balance receipt ( Copy of original receipt enclosed ). 
I have tried to resolve this matter with the debt collecting company Source Receivables Management, unable to listen or help fix my problem. I have an excellent credit they ruined it by reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I C SYSTEM reported an account I never opened with them into my collections as of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: VI
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:
There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to this issue.

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 2020-04-27
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX  XXXX  XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

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 explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

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 explanation
Consumer complaint received 2020-11-08
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Barclays Bank Delaware is reporting as unverified, unvalidated account on my XX/XX/XXXX credit report. 

Please see attached documentation.

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 2020-04-27
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX, I contacted Net Credit and was transferred to collections to get help with my account. I told NetCredit Collections that I was having major issues financially due to the COVID-19 pandemic. I was really upset about the death of my co-worker and unexpected job closure that took place in XX/XX/XXXX and should've waited to call NetCredit. They told me they would defer the due payments to the end loans and that gave me relief until I could figure things out. Today I ( XX/XX/XXXX ) called and said I'd pay XXXX on XXXX from stimulus check. ( I need to get better ) They told me I have two payments due and account is past due.I was very upset because when I called for help they assure me not to worry because who knows the timing to the end of COVID-19 pandemic. They told me I have a past due balance for XX/XX/XXXX that was declined and another payment due. Now I'm stressed all over again trying to reach out for help and to make arrangements to pay didnt work for me and keep I recieving past due notices when I thought they'd help me during this crisis. This is terrible!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

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 explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: CT
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 noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXXXXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
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:
Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX  on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: MN
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. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

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 explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE 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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}

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 explanation