BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-05-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.

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 2018-06-22
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a vehicle loan with PNC Bank. I called them to get their automated recorded system telephone number so that I could start making extra payments per month, they told me that they had that system but they discontinued the system, no reason given for the deletion. No reason needed, it is about money. Charge XXXX people XXXX dollars to make a payment you end up with XXXX dollars extra in your account!!! I am in the wrong business!!! I spoke to a manger by the name of XXXX XXXX and she was very evasive about the reason why they discontinued the automated system. I realize that I can go online to make a payment, I have been hacked twice from on line banking and no longer use it. I could mail it but then you would have to depend on the XXXX XXXX XXXX, no thanks!! I could drive the payment down there, wait, the gas prices would make that method wasteful to me!! What is wrong with making these people set the automated system back up again? Isn't this still a country of " we the people?!, or is it " we the crooks '' and we don't go to jail!!! I digress, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX I have {$250.00} USD in my paypal balance for over 180 days. I tried to add a bank and its not allowing me to. I also tried to request a check but it says my address cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/XXXX. I contacted Experian via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Experian is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018

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 2018-05-19
Company: BB&T CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.

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 2018-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
I paid off a collection account from the original creditor ( XXXX XXXX XXXX XXXX ) with a collection agency named ( XXXX XXXX XXXX ) Under a written agreement from them stating to remove from all credit reports. Experian has not removed this collection from my reports. I have disputed more than once with them. I have the Pay for Delete letter that XXXX XXXX XXXX sent me as proof. XXXX and XXXX   have already graciously removed said Item from reports.

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 2020-07-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX account still showing under negative accounts This account was paid in full and closed and to be removed per the company Experian has been notified of this and still is reporting the account incorrectly The other two credit agencies have deleted the account but Experian has not and will not I have reached out numerous times and sent the sent of removal as well

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 2018-05-19
Company: Google Compare Credit Cards Inc.
State: NC
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 XX/XX/XXXX I received an email saying that I had a " Google Pay Balance Statement ''. I was not aware I had a Google Payments account, so this was an alarming revelation. 

I logged into the account and attempted to close it, but instead of closing the account, Google displays a message " We're currently unable to close your payments profile due to the Google subscription services that have been used with this payments profile. '' I contacted Google support and was told that I had an active XXXX XXXX cell phone plan. I advised that I have NEVER had XXXX XXXX service. I did click a " notify me when available '' option on a Google smart phone, several years ago, but I was never notified that the phone was available and instead use XXXX. Google support claims that this pre-order created a XXXX XXXX account. I advised Google that I did not want XXXX XXXX service and that the account should be closed. They advised they would escalate the issue. 

On XX/XX/XXXX I received an email from XXXX XXXX support advising that the account had been closed. I logged into the Google Payments profile but was still unable to close the account. I again contacted support and was told the issue would be escalated. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I again reached out to them. At first, Google support told me that they didn't believe that I couldn't close the account, myself. I advised I received error messages when I try to close the account and I provided screenshots of the error messages to Google support, via email. I was told that they would escalate the issue, again. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I reached out to them, via email. I received a response on XX/XX/XXXX that Google is refusing to remove my payment card and that they do not allow customers to close Google Payment accounts -- despite that option being presented on the Settings page. There is also a google support article titled how to " Permanently close your Google payments profile '' that provides steps. Unfortunately, following these steps results in the error messages I mentioned, previously. 

It is unacceptable for Google to refuse to remove my payment information, even after I have advised them that I revoke authorization for them to retain it. 

It is unacceptable for Google to refuse to close my Google Payments profile, even after I have advised them that I do not accept their privacy policy or terms of service.

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 2020-07-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a credit line with PayPal credit ( thru Synchronic Bank ), they gave me six months for special purchase ( over {$99.00} ), but if I returned any of those purchases, they gave me credit but did not remove or update the original purchase. I noticed this problem a few  months ago and every month I need to call them to correct the transaction. Now I have more than four transactions and they don't give me the credit.

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 2018-05-19
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. 
This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Sent disputes letters to credit bureaus about incorrect information and inquiries by mail and phone and they did not remove inaccurate information.

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 2018-05-19
Company: Experian Information Solutions Inc.
State: OK
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 disputed collection account that was put on my credit and experian said they investigated and collection account met their guidelines to be put on my credit report in only 1 day. They did not get proof to show I owed this amount and they didnt show or tell me how I owe.

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 2020-07-02
Company: Ability Recovery Services, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted a loan officer at my bank and attempted to take a small personal loan to pay bills until my unemployment went through. I was denied on XX/XX/XXXX, and told that as a new collection account had recently been opened, I was deemed to great a credit risk. Within a few days, my auto insurance renewal premium also went up. After checking all 3 major credit bureaus, I became aware of an account listed as " Opened XX/XX/XXXX, by Ability Recovery Services , LLC. '' This account is actually from XXXX. The fact that Ability is not even the first 3rd party agency to own the account, shows that they intentionally misrepresented the age in an attempt to " revive '' the account. This is a violation of WIS 427.104 ( 1 ) ( c ), and therefore by being illegally represented, a violation of FDCPA and FCRP.

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 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
The notes say {$730.00} was written off but I paid it and have the check to prove it. They also told me if they got it by XX/XX/19 it was good. They got it on time.. It seems you are treating me unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It started my freshmen year ( XX/XX/XXXX ) when I first applied for loans. I was told everything I would pay everything after I graduated school. But I was miss guided and didnt select the correct box. So I was forced to pay loans through out college. I questioned it after I was told to pay, and they said there is nothing they can do and it was to late to change the terms of the loan. So there were periods throughout my college career where I choose life before loans. 

Fast forward to XX/XX/XXXX/XX/XX/XXXX- I was rushed into forbearance. I was under the impression that all my loans would go into forebarance with Naviet. Giving me a longer grace period of time after graduation as well. That was not true. I was under the impression all my loans were going to be reconsolidated but they werent, only my federal loans were. I feel it was a ploy to get all of my students loans paid back with Navient. Navient also bought all my loans from Sallie Mae during my college career. Another ploy for me to give navient my money? 

Fast forward to later in XX/XX/XXXX. I was in a bad transition period of not having enough money to pay for my loans and I was fighting to live. I was often times caught between choosing to pay my loans or living ( food, rent, etc. ). My credit was destroyed for about 4 months trying to get caught up. And I was met with nothing but harassing phone calls to pay my bill. They called my co-signer and harassed them as well. I was making some payments that I could but was not good enough. I used my tax return to get caught up. But the damage was done to my credit. I lost about 100 points. This happened roughly XX/XX/XXXX/XX/XX/XXXX and lasted until roughly XX/XX/XXXX/XX/XX/XXXX when I used my tax return to get caught up on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX XXXX XXXX credit account through synchrony bank, which I paid faithfully, never missing a payment, even during 7 MONTHS OF UNEMPLOYMENT, stemming from a work related injury. XX/XX/XXXX I paid the account in full, and was abruptly informed that my account was being closed BY THE COMPANY, due to a low credit score. I am outraged that this is how people that truly try and pay their bills and better their credit get treated. XXXX XXXX would be ashamed. I would like my credit account reinstated as I am a faithful XXXX XXXX XXXX patron, and have repaid all credit extended to me. My credit score has also risen 45 points since the termination of my account.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!

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 2021-06-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all XXXX credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

Company response to consumer: Closed with explanation