BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

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 2019-07-25
Company: EQUIFAX, INC.
State: UT
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 is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT!  Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: DISCOVER BANK
State: UT
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:
Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: UT
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  is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
problem whit XXXX loan servicing on my credit report about every 2 to 3 month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX  people lef and right i try to fine a lawer to file a sue again them but no success yet

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 2019-04-12
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is in regards to fraudulent activities on both my checking and savings accounts with Chase bank. A few days ago there were fraudulent charges coming out directly from my checking and savings accounts. I called Chase immediately to lock my accounts and file the respective fraud claims. The Chase agent said that she would freeze my accounts until I could open new accounts. Two days  later, I received a Chase alert that my checking account was overdrawn. There were three more fraudulent charges made which completely had wiped out my checking account. The Chae agent did not place the freeze on the accounts. I went to the branch, filed more claims for three more fraudulent charges and opened new accounts. The next day I saw that Chase was reversing my stolen money to the compromised checking account instead of the new account. I no longer have access to the compromised account, therefore this reversal means nothing. Every Chase person I talk to tells me a different thing. The inefficiency of this company is outrageous. The branch manager said that they are doing activity with the fraudulent account because its part of the investigation, my case manager with Chase now tells me to withdraw money from the compromised account and put it into the new one, the Chase agent on the phone tells me its not up to them now to get those funds transferred to my new account. I sit here penniless, frustrated, and in disbelief of what is happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX, XXXX has since XX/XX/2020 been repeatedly harassing me, inspire of my repeated attempts to establish the fraudulent claim through both their agency and XXXX XXXX, by mail and phone to collect a fraudulent debt for {$4700.00} ( file # XXXX ). I have spoken with both them and XXXX XXXX and filed fraud complaints and spent well over 6 hours trying to resolve the issue. Most recently they have filed a report against my credit rating per their report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been trying since XX/XX/19 to remove my previous checking account from my PayPal account. Their system repeatedly told me that it couldn't be removed since there was pending transactions against the account. I confirmed there wasn't as nothing had been pulled against that account in months but had pulled against my credit card. 

On Monday XX/XX/19, I paid for something online using my PayPal account and when asked for the funding source I chose my credit card. For some reason, PayPal charged this against my checking account ( which is being closed in 5-days ). That bank has paid the {$1.00} charge and given me a {$20.00} NSF fee. 

I contacted PayPal today XX/XX/19 and spoke to two very incompetent representatives. The first told me that I could not remove the checking account because there was a pending payment against it. When I told him the payment already cleared my bank, he had me navigate to a setting showing automatic payment authorizations to this payer and when I confirmed my screen said it was to fund from my credit card, he told me to cancel all future payments. Frustrated, I asked for a supervisor. 

The supervisor told me I have to wait 3-5 business days for that payment to clear and then I'll be able to remove the account. When I told her that I've tried for the past 3-weeks to remove this account she told me that I hadn't. When I told her I've gone through their process to link a new account but that the system goes in a loop and doesn't add it, she told me I didn't complete it. All in short of calling me a liar she didn't believe I had done what I told her. When I explained I work in software development, I understand how systems work and that theirs has an issue and requested a ticket be opened for a tech to look at this she said no. I got angry and demanded it and because of this she told me she'd disconnect the call. I told her that I wanted her name and she said " Nope '' and then disconnected the call. 

This account needs to be removed so that I don't incur any other fees and they need to fix their system. They also need to train their representatives to LISTEN to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
abusive extremely high interest rate for vehicle loan. Company Flagship credit acceptance

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 2019-04-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They were harassing me in a very inappropriate way and disclosed the info to a 3rd party without my consent. Lastly, they put a freeze on my account even after advising them that I don't owe the debt. I also advised them that I have a financial hardship and that the funds are exempted even if I would've owned it. They were already promising me to release the hold but didn't fulfill its promise. Obviously, they were misleading me to avoid that I request an order to show cause to remove the default judgment.

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 2018-01-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX   for a claim with XXXX XXXX which is now XXXX XXXX. I called XXXX XXXX and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded

Company response to consumer: Untimely response
Consumer complaint received 2019-04-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Walmart 's servicer attempts to force users into optining into phone calls, text messages, and emails through their servicing website. 

If you visit : https : //walmart.syf.comXXXX   There is no way to remove your cell phone number, or to " opt out '' of allowing them to use auto dialers, and to text you, at anytime. If you try to delete the your phone number it says : " At least one phone number is REQUIRED ''.

Also, there is text that states : " You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages, from Walmart and Synchrony Bank. Standard text messaging rates may apply. You also consent to Synchrony Bank ( and any other owner or servicer of your account ) contacting you about your account, including using any contact information or mobile phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or pre-recorded voice when contacting you, even if you are charged for the call under your phone plan. '' I do not consent to this policy, but there is no way to remove your phone number. I have never given this permission, and it is impossible to login and access the website without giving them this consent.

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 2018-01-12
Company: First Southwestern Financial Services, LLC
State: IL
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:
they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

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 2019-04-12
Company: EQUIFAX, INC.
State: GA
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 checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from XXXX  XXXX XXXX. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to Equifax, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with Equifax since XX/XX/XXXX and every time the dispute gets completed they state that XXXX XXXX XXXX is saying that the item belongs to me. How the Item is going to belong to me if XXXX doesnt even have my SSN # and every time I call XXXX they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with XXXX.. 
I dont think Equifax is trying to help me. Every time I talk to agent from Equifax they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a promotion credit card with XXXX XXXX XXXX XXXX. The promotion is 0 % interest for 36 months. Each month I owe {$91.00}. In XX/XX/XXXX and XX/XX/XXXX I paid my monthly payment by the XX/XX/XXXX of the month. Each time Syncrony Financial charged me a late fee of {$39.00} because I paid too early, according to them. They said that I paid before my statement period ended, which ends on the XX/XX/XXXX. So they applied two payments to one month and then charged me a late fee of {$39.00}. This happened twice. I was able to call on XX/XX/XXXX and they waived the late fees as a " courtesy '', but I hardly think this is a courtesy and I'm worried this courtesy will end. This seems fraudulent to charge consumers a late fee when they are in fact paying their bill early. There are no instructions that say I can't pay before the XX/XX/XXXXof the month.

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