BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep getting emails that I have a payment due on PayPal credit, which I have applied for or asked for, selected, or requested. I didnt know what this charge was for and then realized it for a purchase I tried to make but didnt realize PayPal had an expired so the transaction did not go through. I received an email from the company that there was an issue with my payment and to call them directly so I did. 

Before I realized this I actually tried to make a payment on pay pal and it didnt even let me. Thats when I dug deeper and realized this was for pay pal CREDIT. Its also worth noting the Synchrony bank is listed on the email. I have several store credit cards through synchrony and I definitely had to fill out a credit app to get approved. 

I have had a couple calls and voicemails from PayPal to get me to pay but I started getting worried it was all a scam. I looked up PayPals phone number online today and when I called it asked me for the last 4 of my social, which I reluctantly entered, it then kept me in a loop, not letting me speak to anyone and asked for my social again, which I would not enter. It eventually had me on hold for an agent but disconnected me. 

This has been added to 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Designed Receivable Solutions, Inc.
State: AL
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:
design recievable solu at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notice in the amount of XXXX. The collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received the notice of debt on XX/XX/XXXX. I sent them my identity theft report along with my proof of identity to challenge the debt as it was a case of identity theft. The account they claim is mine was opened for a XXXX XXXXXXXX account in XXXX when I was XXXX XXXX XXXX. They sent me a letter back showing purchases I didn't make as proof of debt ignoring my age entirely. I did not open an account with XXXX XXXXXXXX when I was XXXX XXXX XXXX & I did not have any income at the time to make the purchases they're claiming I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I Called and made a dispute on the account about some transactions I did not authorize by me or anyone. so I called the XXXX- number and filed the dispute like its have to be filed and I got a response back saying my account is being close for no reason I asked to speak to a manager and they did not give me the correct answer saying WHY they are closing my account. I had open the account up and had the account open for 6-months and on the 7 month they close my account for some disputed I filed. also my account number was stolen and someone was using my ACH to take money out my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: Merchants' Credit Guide Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of the data breach from XXXX, My job XXXX, and XXXX. 
Merchants Credit Guide company has reported a collection account on my credit and it is not valid. On XX/XX/XXXX I send them a letter asking for proof of this debit. ( see letter ) I also send a copy to all credit bureaus on XX/XX/XXXX XXXX ( collection company ) send me a letter with no signature, no picture ID, and nothing confirming that this was my debit and XXXX is also reporting this as a late payment?? after this account was so-called closed. ( violation ). On XX/XX/XXXX I sent them a letter Advising them that they are in violation of the FCRA and FDCPA, Fair debt collections practices. They all keep saying that this was verified and it's not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian has been violating the FCRA Laws for about a year now. Firstly, They have been reporting the same invalid information on my credit report, for awhile now. These are accounts that were opened as a result of identity theft, and all Experian reports back is that they have remained on my credit file, they verified this information with the data furnisher who has assured Experian that the information is being reported accurately. However Experian can't provide any proof of this. Because the Creditor ( XXXX XXXX XXXX ) is Experian 's Vendor, and Experian has advised me even though the accounts are fraudulent. Both are credit cards, and both were opened online from XXXX using fraudulent applications for both cards, neither card was ever received by me nor used by me. That they have verified it. They are verifying Fraudulent Credit Cards somehow, that were the result of identity theft, However they certify this with their " Data Furnisher '' As Accurate, and or they just send me a letter saying the creditor may not know how to contact me which again is a lie. I called this creditor, I have already reported BOTH Credit Cards as fraudulent. Per the FCRA Law 603 ( B ) If an account is opened as identity theft, and you have provided significant documentation ( FTC Identity Theft Affidavit ) Along with Identification, that you can request the Credit Bureau block this inaccurate fraudulent information from being reported on your credit file known as being suppressed. Experian, Will not even dispute these accounts and have advised me they don't have to, as they have disputed it before and that I didn't provide relevant information. I Have Provided them with what was sent to my local law enforcement office, a copy of my police report. Experian refuses to assist even with this. The Accounts are both Fraudulent. They are also reporting a fraudulent ( XXXX XXXX ) Account that again was not authorized, and that was a result of fraudulent accounts being opened with stolen identification.

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 2023-03-07
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank has refused to refund my funds after merchant has failed to take the payment, its been more than a month and i had to file a complaint as my funds have not been refunded to my account the merchant has said it is not received on their end and i should speak with the bank. i have attached all supporting documents to show the funds have been taken from my account and the merchant haven't received it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened a loan with CapitalOne Auto in XX/XX/XXXX. Never received a statement from them for the loan. Called them in XX/XX/XXXX asking for statement. Paid balance over the phone and they waived late fees for XX/XX/XXXX and XX/XX/XXXX. Set up auto pay and pick paperless mail. late pay is showing up on credit report for both XX/XX/XXXX and XX/XX/XXXX. Reporting XX/XX/XXXX and XX/XX/XXXX. They are saying they have the correct address, but to date I have still never received a paper statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Prior to purchasing my home, the previous owner removed her pool. I was being overcharged by my township and informed them. They reduced my taxes. I sent the reduction of taxes notice from the Township to PNC as they directed in XXXX. My taxes are reduced by {$210.00} a quarter. PNC has for the past 3 months still have still been charging me the same monthly payment, even though I see that are paying the reduced tax amount correctly. They will not adjust my monthly payment to reflect the reduction in taxes. 

I have sent multiple letters and have called a number of times, I get passed around from person to person with no answer. I left numerous messages for managers I was told were not in and will call me back. The last person, switched me to a number that is no longer working at PNC Bank. I keep paying the overpayment because I do not want this incident to affect my credit but at this point I want to be reimbursed for all overcharges and to have my monthly bill adjusted to reflect the correct payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector, First Federal Credit Control , XXXX, repeatedly called using different telephone numbers and did not leave a message. When I called back the numbers the party that answered did not identify themselves as a debt collector until I gave them my name, then kept demanding personal information. I received a notice from First Federal Credit Control on XX/XX/19 regarding an alleged debt vaguely identified as University XXXX XXXX XXXX, account # XXXX. On XX/XX/19 I sent a letter to the collection agency requesting information to identify the original creditor, a copy of the last billing statement, and the authority of the collection agency to collect the debt. I also requested that the debt be treated as in dispute until I received the information requested. To date, I have not received a any information. Last week I noticed that the alleged debt had been reported to a credit reporting agency without being reported as in dispute. On XX/XX/19 I sent a letter to the collection agency instructing them to immediately remove the collection notice from any credit reporting agency to which it reported it. I also instructed the collection agency to cease all communication until they provided the information I requested, including any information required under the Fair Debt Collection Practices Act. I have noticed that the collection agency used the same account number for this alleged debt as they did with different alleged debt that is also in dispute. I have filed a complaint with the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I went to the emergency room for an XXXX that I had on my XXXX due to XXXX. When I received the bill a few weeks later I mailed them a {$10.00} check, and was never contacted after that. I was never sent another bill or called for the remaining balance, and had honestly forgotten about the bill completely. I am now ready to purchase my first home, and I went to check my credit score online to get an idea of where I stand. I noticed I had an open collections account with the amount of {$310.00} with XXXX XXXX XXXX that I was never made aware of, and the account had been open since XX/XX/XXXX. I attempted to email the company in regards to the account where they state they will respond in 1-2 business days, but I never heard back from them. I called them today on XX/XX/XXXX and found out it was from the XXXX XXXX XXXX  visit that I had in XX/XX/XXXX.  This has drastically affected my credit score to the point of possibly not being able to purchase a home. If I had known about the bill I would have paid it years ago, but I was never contacted by the original collector or the current collector about the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My grandmother-in-law ( " grandma '' ) unfortunately has a reverse mortgage on her primary address. My grandmother is originally from the XXXX and English is her second language and is XXXX years old. 

In XX/XX/XXXX, my Grandma 's home was foreclosed and sold. Ever since her husband had XXXX, she did not understand how to get her own home insurance, therefore XXXX XXXX who held her Reverse Mortgage would force place home insurance on her property. Grandma did n't understand how the payments would work and would eventually get them paid late. Unfortunately, the XX/XX/XXXX amount of {$2100.00} was never paid and XXXX foreclosed. Grandma had the unfortunate event of having the new owner come to her house which confused her greatly. This is where she got me involved to see if I could help. Through a month of phone calls and pleading, XXXX was able to contact the new owner of the home and get the sale of the home reverse and the rescinded the foreclosure. 

In XX/XX/XXXX, it was time for the next year 's of insurance to be paid. Grandma made the {$2000.00} payment in XX/XX/XXXX or XX/XX/XXXXto pay for the full year of home insurance. No monthly payment option was available. 

In XX/XX/XXXX I was contacted and informed that her maximum claim amount was going to be reached and that her reverse mortgage was going to be transferred to H.U.D. for servicing. This could only happen after she obtains her own home insurance. 

In XX/XX/XXXX, we were able to secure new home insurance for grandma 's home and had to pay a full that new premium for her own insurance. We contact XXXX XXXX and informed us that grandma was due a {$1100.00} refund for the original forced place insurance. 

Since XX/XX/XXXX, we have continually contacted XXXX XXXX and they have not been able to inform us why grandma 's check has not been sent to her. They continually tell us that they are researching this with never an answer. We are now in XX/XX/XXXX and I have contacted them for three straight days and they still can not provide us an answer. 

Grandma is on a fixed income and desperately needs those funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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 information incorrect

Complaint:
XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  XXXX  is also not late.

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 2023-05-08
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: PA
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:
Ive made contact with XXXX, Equifax and XXXX  and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive made contact with XXXX, XXXX  and TransUnion and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

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 2019-06-10
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A company calle Venmo  apparently allows people to set up accounts with anyones debit card. 
My checking account had XXXX withdrawn from it due to Venmo. I have never and will never open an account with Venmo and I would like to know how they allowed someone to open an account without verifying the card with the bank? 
The money was withdrawn from my account on XX/XX/2019 while I was in Mississippi. The Venmo   transaction took place in New York. 
My bank is now seeking legal means to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: MD
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation