BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HSN ( home shopping network ) account number XXXX was paid in full earlier this month. When i pulled my credit to check to see if it was reporting correctly I see that they had reported this account as late from XXXX of XXXX to XXXX of XXXX and this is incorrect. The account was never late, all payments were made and proof of payments exist. This account was enrolled into a debt management program in XXXX and they made my payments each month. When I called HSN they say that because my account was taken over by Synchrony Bank  they can not provide proof that the payments which they reported as late exist and this is a violation of the FCRA in which it says that all information reported must be accurate, complete and verifiable. They are in violation of these federal laws. I am requesting that all references to late pays on this account be removed from all 3 credit bureaus. This complaint is not asking that any reference to a dispute or investigation be placed on my credit files but they remove all late pays as it can not be substantiated or verified. This account is closed with a zero balance and they have no financial ties to this anymore. They are also putting comments on this account that is is being handled by a 3rd party company for payments and this is now incorrect. 

I am asking the CFPB investigate them for violation of the law if they choose not to remove the late pays and false comments. I will be taking them to court and suing them for this violation which carries a fine of nothing less than XXXX per instance if they choose to not follow the law and remove the late pays. I would ask for full attorney fees reimbursement as well if they want to go to court.

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 2019-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX  XXXX   {$570.00} 4 ) XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately 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 2019-03-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had purchased a XXXX van from XXXX Nissan of XXXX. The car was priced at {$16000.00} plus taxes and fees. And I had a down payment of {$5000.00}. The car total came up to {$19000.00} including 7.94 %. But when I received my first month payment I realized they bumped my loan to {$29000.00}. Its clear that instead of taking my {$5000.00} deposit off they actually added it as an extra. I have been going to dealer to fix it however I keep getting thrown out and being yelled at. They think because I am XXXX and I dont speak English well they threatened me with reporting me to INS. I need this problem to be rectified. 
I have attached the car purchase price and also the finance contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: WELLS FARGO & COMPANY
State: DC
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 have a loan with XXXX XXXX XXXX, XXXX, WELLS FARGO, XXXX  XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WELLS FARGO CARD SER, XXXX   XXXX  XXXX  with no successful resolution. There was definitely an error on their part.

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 2020-06-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I are retired XXXX veterans. We found our retirement spot, had a home built and the asking price is {$570000.00} and the appraisal came in at {$530000.00}. I receive XXXX, VA XXXX, XXXX retirement and Military retirement. My wife receives XXXX retirement and VA XXXX. My brother passed XXXX and left me the only executive of his estate. In the last 2 years Ive received about {$200000.00} in back pay from VA and DOL. We are being treated like we are doing something illegal. We started this loan in 2019 and still being asked for bank statement. We have the money to go to closing. XXXX veterans should not be treated like this.The builder is losing money, and we have to pay {$100.00} a day to the builder until we close. The house didnt appraise as it should have because the same builder just closed on a house down the street with the same features but we have an acre lot and the other house had a half acre. So what if we paid to much, its our money.

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 2020-01-22
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. 

XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the National Recovery Agency. NRA has now incorrectly reported me as " past due '' for this item. 

I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of NRA.

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 2023-01-28
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:
I sent a letter to Equifax at XXXX XXXX XXXX, XXXX GA XXXX, stating that the below inquiries were reporting on my consumer file and I did not authorize this company to access my consumer file. 
XXXXXXXX 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 XX/XX/XXXX Equifax responded on XX/XX/XXXX stating that " INQUIRES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

This response does not include any record of documentation proving that they are in factual bearing my signature formally requesting these accounts to view my consumer file. These are fraudulent inquiries and need to be immediately removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation ( Western Union Reference # : XXXX ), only XXXX BRL were dispersed by XXXX XXXX XXXX before taxes and fees were taken out by XXXX. ) Leaving a difference of XXXX BRL that had failed to be sent by Western Union, per the contract. 

This transaction was contracted as a direct bank deposited. The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, below XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I contracted for a direct bank deposit at the aforementioned rate of XXXX. 

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON XXXX WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. 
Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. 

XXXX  XXXX  Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. 

*note* There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. 
XXXX XXXX  bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry

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 2019-03-25
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:
XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.

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 2020-11-25
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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-03-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 I applied for a XXXX XXXX XXXX  XXXX credit card issued my XXXX XXXX. A credit report was pulled on my XXXX  and the message was wait 2 weeks. Today XX/XX/XXXX I received a letter stating there is freeze on my XXXX  report and they are unable to verify my credit history with other credit grantors. Well the fact that they pulled my XXXX  report is clear they were able to verify my credit history. Since they said they couldn't pull the report they wanted to use I want to remove the one they did pull and didn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
I bought a computer on XXXX, and paid through paypal because that was the only option, that was sold from XXXX. Paypal receipt # XXXX, and XXXX item # XXXX. It cost me CAD {$190.00}, and their website shows that to translate to USD {$160.00}. I used a credit card to buy it, and  was charged {$160.00} because they charged me in USD, then exchanged it to CAD at a low rate of {$1.00} CAD/ {$1.00} USD. The price shown multiple times in the checkout for was USD {$160.00}, or CAD {$190.00}. I did not agree to use their exchange rate, and the principle of the overcharge really bothers me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a year since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Citibank Costco Visa card was abruptly closed by Citibank on X/XX/17 without prior notice or explanation as to why they are closing my account. I just found out about the problem at a store when I tried to use my credit card and it was declined. I called Citibank using the number listed on the back of the card, but the specialist on the line could not tell me why my card was suddenly closed without an explanation. I have been advised to write Citibank a letter to ask what happened to my card. I was only given a XXXX XXXX XXXX without a name. This is an unacceptable behavior from Citibank. I have been a loyal customer for years without issues. Now I can not even get an answer from anyone.

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 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XXXX XXXX XXXX 
I have XXXX clients. They paid me XXXX XXXX each .that 's their payment from selling me good services. 
XXXX XXXX XXXX XXXX XXXX XXXX 
Someone had a dispute with me XXXX time, but I fixed it and refunded my money. 
I want to complain to paypal. They suddenly and permanently limit my accnt without explaining the reason. Mine is fine to sell on paypal. Everything they asked for. I gave in. then XXXX day I suddenly received an email saying that it is permanently limited. I am being too careful with paypal. I hope you can help me to restore my account. I have begged and begged for it several times. I left my accnt first. So I can get my balance first because I need it because it's more support for my family. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: World Acceptance Corporation
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
the nationawide collection inc represent XXXX XXXX the XXXX XXXX told me that they take legal action through the collection agency, they are helped a powerfull person who has money and power from XXXX XXXX XXXX people 4 men 6 women they know everything about this the collection agency threat me to take to the court within one week

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 2018-04-27
Company: The CMI Group, Inc.
State: TN
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 do not have or have ever had a contract with this company. I have never signed or asked for services from this company. I dispute existence of any contract what so ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief