BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: FL
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:
There is a known issue with XXXX XXXX concerning three ( 3 ) hard inquiries on my credit report from XXXX XXXX XXXX through Synchrony Bank. I contacted Synchrony Bank, the associate that answered stated this is a known issue and that others have called in stating it has happened to them as well. The associate advised me to reach out to XXXX XXXX to dispute it, however, there is no contact number. These three ( 3 ) hard inquiries dropped my credit score by XXXX points. I did NOT apply for any airline credit cards. I need help with this please. On the app it states that one will drop off at the end of XXXX and the other will drop off in XXXX. I have been working on repairing my credit over the past four ( 4 ) years and it was rising steadily, till this happened. 
Thank you

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 2019-03-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX '', Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer or check request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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:
I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it is affecting my credit score.

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 2017-12-24
Company: OPORTUN FINANCIAL CORPORATION
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:
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to XXXX, XXXX, and Equifax ; disputing inaccurate items on my credit report. I was told that due to Covid-19 the credit bureaus were given 45 days to respond to disputes ; so I waited until after 45 days. Today 's date is XX/XX/2021, which is more than 2 months after I sent my dispute letters, and I have still not heard back from any of the credit bureaus. To just ignore my letters is totally unacceptable! In accordance with the Fair Credit Reporting Act ; since these companies failed to prove the accuracy of these disputed items, they must be deleted immediately. I expect immediate action to be taken, as I take my credit very seriously, and want to stop the damage that these accuracies have caused me. I have attached the letters I sent on XX/XX/2021 for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.

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 2018-08-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements.

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX ACCT : XXXX XXXX : {$2300.00} AMT : {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX 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 2021-06-23
Company: Resurgent Capital Services L.P.
State: OH
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
so many problems with wells fargo. a. they are not calculating my interest correctly. b they did not show the XXXX payment which was my XXXX  XXXX payment on my next statement. c. they paid my homeowners insurance a month early last year and are now using that as the basis to say my escrow account has a shortfall and they want to raise my payments. d. the escrow history they sent dated XX/XX/XXXX does not reflect the XXXX payment i made on XX/XX/XXXX XXXX they are also showing that i did not make escrow payments some months in XXXX which is total XXXX. since my escrow payment is currently {$250.00} a month this would cover the {$220.00} that they say i am short in my escrow. perhaps you need to fine them another XXXX XXXX dollars as they seem to continue to do questionably legal things. Am wondering how many 1000 's of people they are illegally assesing these trumped up charges due to there errors on. 

please start a full and complete investigation as it is clear by there repeated actions that they they seem to think they can just do whatever makes them the most money and that they feel they are above the rules and regulations.

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 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX : My father authorized his unemployment benefits back pay check in the amount of {$18000.00} to be direct deposited into my Capital One bank account. It was deposited in my account after which I withdrew {$4000.00}. 
XXXX : All of my Capital One bank accounts were frozen. I contacted the bank and they informed that my account is now permanently closed and I owe them {$4000.00}. I also provided the representative with a contact phone number for my father as well. 
My father and I contacted the bank together and the representative refused speak to us and stated that the funds were being sent back to where they came from. 
XX/XX/2020 XXXX MT : They sent me an email that stating that " Dear XXXX XXXX We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. '' XXXX : I called XXXX and spoke with a representative that informed me my account was closed and I could contact the Review Department directly, she provided me the following phone number XXXX and I called directly. My calls were immediately disconnected. I emailed XXXX XXXX, Director of Customer Complaints and have yet to receive any correspondence or acknowledgment of my email. 
I am filing this complaint because of the unprofessionalism and rudeness of how I have been treated. I have had my Capital One bank accounts for over three years. I am on the verge of being evicted because of this incident and I have two small grade school children who will be homeless by the end of this month. I feel as though I deserve an explanation of the process or be provided a timeline for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today XX/XX/2021 I got a letter in the mail from an attorney/mediator offering their services because I had a lawsuit filed against me that I was not aware of. As of today I have not been served any papers or notified by the debt collector XXXX XXXX XXXX or its attorney Mandarich Law Group. When I looked up my case number provided to me by this third party I found that they filed a case against me dated XX/XX/2021 with a court date of XX/XX/2021 ( 20 days from today ) and still have not been notified by the debt collector. I initially hadn't been making payment because I simply couldn't afford it. My job wasn't paying enough for me to pay my expenses and manage my debt. Then the pandemic started and I got laid off so I really didn't know how I could pay my bills. I finally got a job that allowed me to start paying off my debts and started making payments to this account through online bill pay with my bank on XX/XX/2021. My first payment was {$100.00} and then I continued to pay {$25.00} a week until XX/XX/2021 because I caught XXXX and couldn't work so I had to once again play catch up with my finances and I reduced the frequency of my payment to {$25.00} a month so I can also pay off other debts and my bills. In total, I have made {$350.00} in payment over the last 4 months and have another {$25.00} payment scheduled for XX/XX/2021. I called to see why a lawsuit was filed against XX/XX/2021 when I had already started making payment since XX/XX/2021. Also, I wanted to know why the company never notified me of the lawsuit being filed against me. I never received a letter nor have I been served. When I spoke to the agent she told me that she could see that I had made payments to the account and said that they filed the case because I didn't make a payment arrangement with them. She said that in order to make a payment plan she needed to ask about my financial situation and I told her I did not want to disclose that information and told her that I can and plan to continue to make payments of {$25.00} a month. She also mentioned that she saw the I was on file to be served. I still don't understand why they filed a lawsuit against me on XX/XX/2021 when I was already making payments as of XX/XX/2021 and I was never notified that they had filed the lawsuit until now which was by a third party in an effort to represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: LA
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:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both Equifax and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This car is a fraud loan I don't have this car and the charge me too much on use car. They would have someone taking car at shopping mall all time I had this and charge me XXXX for car they sold to someone else. I know santander has lawsuits on loan. If they right off XXXX why I still have XXXX. Somethings not right on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Cadillac Accounts Receivable Management
State: PA
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:
I have been requesting this company to send me written notification for more than 1.5 years now. They keep calling me every month and never send me a written notice. I did acknowledge who I was. With all the identity theft scams going on, providing date of birth or other sensitive information like SSN is not a good practice and expecting this also shows that this company is trying to scam.

I don't have any debt that I know of. Per law, I should have received a written notice within 10 days of first call. Its 1.5 years and I still haven't received one.

Also, this company keeps closing my complaint without providing a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX XXXX  on my Experian consumer report. XXXX XXXX  did not have my permissible consent to obtain my consumer report from Experian. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages I was humiliated by Experian for sharing my consumer report with another corporation. My credit score went down at least 10 points I demand them to raise my score and {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.

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 2021-10-08
Company: CITIBANK, N.A.
State: NY
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 have three credit cards that are open with my name attached to them that do not belong to me.They show up on my XXXX XXXX report and I believe its not allowing me to open my own credit card. Accounts below with balances that are due. 

XXXX XXXX {$1600.00} Balance XX/XX/2021 ( AUTHORIZED USER ) *CITICARDS CBNA {$17000.00} XX/XX/2021 ( AUTHORIZED USER ) *XXXX XXXX {$150.00} XX/XX/2021 ( INDIVIDUAL USER )

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 2018-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.

Company response to consumer: Closed with explanation