BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Application processing delay

Complaint:
I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: MD
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 am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Zoca Loans around 3 months ago. I've paid them roughly XXXX dollars on a XXXX dollar loan and they still want XXXX dollars to settle the rest of the loan. I live in Minnesota and don't know the state laws but it feels like a scam. Please help.

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 2019-08-27
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid a {$2500.00} deposit for a new swimming pool liner ( installed ) with a Citi Bank Master Card. The liner was to be finished in 3 weeks. XX/XX/2019 After 2 months, the liner was not even made. I asked for a refund and the vendor said he did not have my money. I disputed the charge with Citi Bank, who sent me periodic e-mails stating they were investigating my dispute. Finally, they said the vendor told them he had completed the work, so without checking with me, they closed the dispute. I got a signed letter from another pool service stating the work was never done and re-opened the dispute. Citi Bank now says too much time has gone by, and they can not help me. It was Citi Bank that wasted all the time.

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 2019-10-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax suddenly changed/updated two account on my report for no reason and it made my score drop instantly 60 points! I dont know what they are doing but this is outrageous. 

The accounts are from XXXX XXXX and XXXX XXXX, old credit cards, which have been closed and paid off since XXXX of XXXX and the other has been closed and paid off since XXXX of XXXX! I did nothing to prompt this action, this is outrageous. My score went from the XXXX to XXXX instantly. 

This error needs be to fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received your letter regarding the dispute I have with XXXX XXXX, which states they confirmed that I owe a balance of {$300.00} in which I am still disputing. They seem to have this as an open account which is not true so you have been given information under false pretense. When my contract with them ended I immediately went with another provider. I returned their equipment and paid what I owed ( so I thought ). Months later I began receiving a bill. I called several times regarding the bill and asked for a print out to show my payment history. I was told every time I called one would be provided. It never was. Now it would appear to me if Im asking for a print out to show proof that I owe this amount why cant the information be provided? 
This account has been closed for years, however, you stated your investigation is complete and the information was true as given to you so I am asking you to please share with me the documented proof that I owe this amount and I dont have a problem paying even though my experience with the was not a pleasant one. If this evidence would have been provided at the time requested this situation would have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I am currently a co signer on my sons loan with XXXX account number XXXX. My Son XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently selling my home and the mortgage service, provider, stalled in providing me the correct information requested in the notice of error. I have requested via email to close my escrow account with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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:
In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXXXXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
On XXXX of 2017 I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago. 

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price. 

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, Experian ) answered my request for an investigation. All three came back marked, " Debt Confirmed

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 2019-05-24
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted them by certified mail 3 different times over last year, and ask for proof of said debt. Have yet to receive any form of proof. Last contact was made XX/XX/2019. Received proof of them signing for letter on XX/XX/2019. As of today I have not heard back from them, and said debt is still on credit report. Experian has not showed proof of this debt and have now failed to respond to my letter. Account number is XXXX and unverified.

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 2017-12-01
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is XXXX XXXX US bank Custormer. 

1. My friend, XXXX XXXX XXXX, sent money ( {$1700.00} ) by international wire transfer for me from XXXX XXXX XXXX, XXXX to US bank on XX/XX/XXXX 2. However she provided wrong Beneficiary A/C No. along with my full information to XXXX XXXX XXXX. So I could not receive any fund. My A/C No is XXXX and wrong A/C No is XXXX. 

3. In this regards, I confirmed there is A/C mismatched, and My friend requested XXXX XXXX XXXX to return the fund from US Bank. 

4. US bank replied to XXXX XXXX XXXX, XXXX by XXXX message as of XX/XX/XXXX as following ; " Be advised. We are unable to obtain debit authorization from XXXX. 
So we have to deny your request. Please have remitter contact the XXXX directly to settle. We close our case '' 5. Even the wrong account holder is NOT match the Beneficiary information such as NAME, ADDRESS, and PHONE NUMBER.

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 2019-05-21
Company: Diversified Consultants, Inc.
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:
Someone has used my info and all the unpaid debts are on my credit. 

From XXXX XXXX. Not mine. Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle in XXXX of 2018 and took a loan through the car dealership. The loan was issued through Citizens One, XXXX RI. In an effort to pay down the loan quicker, I set up weekly payments of {$250.00} marked PRINCIPAL ONLY. However, the Loan Company CONTINUES to deduct interest payments against the {$250.00} ADDITIONAL PRINCIPAL ONLY payments. I have called them repeatedly asking that they cease this activity and that they refund back to principal all of the interest payments they took. To date, this STILL has not been done. If you request a supervisor, you are told none are available. They owe me all of the interest payments they stole and are refusing to apply them against the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: OR
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:
I had a student loan, it was a XXXX loan from XXXX  XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XX/XX/XXXX and defaulted in XX/XX/XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XX/XX/XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With Equifax, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XX/XX/XXXX. I submitted multiple disputes to Equifax and they have not fixed the problem. I have multiple old credit reports sent directly from Equifax XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XX/XX/XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XX/XX/XXXX and first reported as 90 days late and XX/XX/XXXX. The date of furniture is adamant that they're providing the correct information to Equifax showing that the account was reported as 90 days late in XX/XX/XXXX and that the problem is on Equifax end. Equifax refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been paying my credit card. I'm receiving emails stating the payments have been posted, money is taken already from my bank account. XX/XX/2022 I paid {$4200.00}. XX/XX/2022 I paid {$3700.00}. However I am not receiving the credit back for use. I just received my XX/XX/2022 statement and on the paper statement it even shows I have {$6900.00} in available credit but on the website clearly it shows they are refusing the release that credit for me to use for over 2 weeks now. If the credit is not available to use they should not be allowed to on paper show it as available but not actually let me use it. I have talked to multiple customer service agents over phone and online chat and they tell me the same thing. They can't do anything about it, that the payment is on hold however they have no answer to why it is documented and on paper as available but they refuse to release and let me use the credit as shown and provided by their own documents. Everything is very deceptive and I don't know what is going on.

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 2018-09-20
Company: Global Lending Services LLC
State: IL
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:
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX  XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Repeated phone calls over and over at work at home. Threaten to take accounts and assets calling at night and day threaten to tell my boss if I dont pay. Take the collection off for a week and put it back on a credit report over and over causing the score to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts email in a fraudulent account. Experian has failed to show me verifiable proof of my documents ( see documents below ).

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 2019-10-05
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt in the amount of approximately {$3400.00} was owed to a law firm called Gordon, Aylworth & Tami ( XXXX, Oregon ). This was for consumer debt. I called and negotiated a settlement of {$3100.00}. I paid the law firm {$3100.00}. I received a letter saying the debt was paid in full. Six months later, they are trying to file a Writ of Garnishment for the debt. They went to court and obtained a judgment against me, did not properly serve me and are now trying to take my wages.

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