BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
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:
After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has not updated my credit n over 90 days i have everything removed on XXXX. Because all has been paid. I disputed with equal fax but when i go to see update it says nodisputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Information belongs to someone else

Complaint:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX  for 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 2020-01-12
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In order to refinance my current mortgage, I have been asked to provide a copy of the HELOC Loan Agreement I have with Wells Fargo. I am not refinancing the HELCO, but keeping it open. Regardless it is a debt that I need to declare to refinance. I have repeatedly over several weeks asked by email and phone for Wells Fargo to provide a digital copy or to mail me a copy. Repeatedly they open cases and submit requests to get the paperwork sent to me and I have to date received nothing. I am now at the end of my rate lock period and this one document remains outstanding. I am extremely displeased with the lack of professionalism and incompetence within Wells Fargo that holds up sending out a document for a Loan which I am NOT looking to cover in the refinance. I have told them this. Regardless, that is my decision and whether Wells Fargo wants to retain my loan servicing or not they have no right to delay providing copies of the loan agreement. Regular monthly statements are posted on my customer page, why is this so hard for them to provide a simple document which I know they must have?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Capital One, Thursday night ( XX/XX/2019 ) i want to go a ATM deposit at the XXXX XXXX branch, the deposit was for XXXX. The ATM took the money, then returned it with the fresh bills crumpled up and XXXX dollars was missing and not counted for. I immediately called to file a claim with the bank itself, as well as take a photo of the ATM i used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a credit limit of {$1800.00} at QVC. I had inadvertently missed a payment in XXXX of 2021. I had thought my due date was around the XXXX of the month but it in fact was the XXXX of the month. 
I called on the XXXX and got the {$35.00} late fee waived and then made a payment of {$200.00}, I then made an additional payment of {$100.00} on XX/XX/2021. In that time frame from the closing date of the XXXX or XXXX of the month I had my credit limit reduced by {$750.00} because I was late with one payment. 
I'm usually on top of my bills and try to pay more than is requested and pay before the due date. 
However the past few months have been trying and though I didn't tell Synchrony Bank, which has done this to other accounts I have just reduce the credit limit either because I was late or I don't know why. 
My mother had to be rushed into XXXX for a XXXX due to a XXXX XXXX XXXX XXXX XXXX. So my mind was someplace else. 
I don't remember getting a letter but if I did, it never comes out and says we reduced your credit limit because you missed a payment. 
I talked to 2 people today XX/XX/2021 at Synchrony Bank, one was a telephone rep and the other was an account manager or specialist. My call was recorded so I would suggest you request the call tapes for today XX/XX/2021. 
I called Synchrony bank at the phone number on the back of my XXXX. The number is XXXX XXXX XXXX XXXX, it was placed at XXXX XXXX  PST and lasted for 10:31 Minutes. 
The account manager or account specialist stated that the reason my credit limit was decreased was because I missed the XXXX payment, and because I was charged a {$35.00} late fee. 
If I wanted to have the credit limit restored I would have to give my financial information again and though I'm almost perfect in meeting my due dates for payment I have been late and been assessed late charges, so I feel I wouldn't be given a fair shot at having my credit limit restored. I want the credit limit restored based on my histroy with Synchrony and my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2020-12-16
Company: Ocwen Financial Corporation
State: DC
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:
PHH Mortgage has reported 30 days late payment for XX/XX/2020, when this payment was received within the grace period of the loan. The problem was corrected in the company 's records but not updated at the credit bureaus ' reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a discover card in XX/XX/2018 with a zero percent interest rate for 12 months. For the last 2 months I am now being charged interest. I spoke to several people at discover who were not helpful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. 
They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. 
I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! 
I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. 
I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I canceled an order for a bed from XXXX XXXX on XX/XX/XXXX. XXXX from the Customer Service chat at XXXX XXXX stated that seeing the merchandise was not delivered the item was not charged on my card. I also spoke with the store on XX/XX/XXXX ( XXXX ) XXXX and was told there was no charge on the account. But Synchrony Bank is saying that XXXX XXXX put a hold on the account for {$4500.00} dollars. They are saying it will take 30-60 days to resolve the " dispute. '' So I called XXXX XXXX back and they keep saying there is no charge, and there should not be a hold and that if there is it is the credit card company that put the hold on. And in the meantime I am being given the run around between the two of them. I had to call Synchrony Bank three times to get someone on the phone because I closed the account and only then found out there was this hold on the card. The card is specifically issued by " XXXX XXXX/Synchrony Bank. '' I want the hold removed from the card and the account closed. I should not have to keep having to call Synchrony Bank only to be told the problem is with the " merchant '' and then call XXXX XXXX and have them tell me there is no hold and it is Synchrony Bank that put the hold on because there is not charge because the order was canceled. I have also filed a complaint with the Federal Trade Commission against 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 2021-06-08
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised, the following company UNITED COLLECTION BUREAU XXXX INC is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. UNITED COLLECTION BUREAU , INC must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 received alert from barclays credit card for 2 transactions, {$670.00}. & {$790.00}. total is {$1400.00}. i disputed this and wasnt given the opportunity to participate in the investigation. i have asked multiple times for proof of the charge, how was the charge made, when, is there an invoice, transactions signed, we have been denied of this information, we filed claims with the credit bureaus and one of them have removed the charge. XXXX XXXX XXXX mistreated us as customers and has refused to provide us proof of the charge that we only have a contact number on the fraud charge, is not working number. we have no knowledge and can not get a hold of the fraud merchant as no XXXX info comes up, we have no information to fight the merchant as barclays investigated but refused to give us the documents thats says we did thus fraud charge, so how did XXXX  determined we are responsible if the merchant is non existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
, On XX/XX/2019 I noticed there was pending charge of a linked external account into my account i was not aware about. The charge was in the amount of {$9000.00} I contacted Blue Bird by american express they said they will try and cancel the transaction and contact the bank it was linked to. They put account under dispute and said investigation takes 10 business days. On XX/XX/2019 which was the 10 business day i contacted them around XXXX XXXX. They said i had to wait till the end of the day for a response of my dispute. They sent me an email at at XXXX ; XXXX that my dispute for the {$9000.00} dollars was declined from American Express Prepaid Card because based on their investigation they determined no error occurred and that the transaction was authorized. I have no link accounts to my prepaid I have been saving all year all banks if you are going to do a big transaction will contact you this bank did not do anything to help me from identity theft In addition I have contacted all 3 credit bureaus. I have contacted the police for Identity Theft. I had to change all passwords. The bank does not want to give me any information about the linked account nor where it comes from. they said to send a letter and they will help in the matter I really hope me writing to their fraud Department it will make a difference .They hung up the phone on me the last 3 times i contacted On XX/XX/2019. I tried talking to their representative and they put me on hold and then hung up. In addition, it made it more suspicious on their end. I am taking all measures possible I will like the only money to be back into my account. At this point you want to save for a better future and maybe buy a home and I felt as if my money was safe with them and now I am scared to even put XXXX dollars into a bank and wake up and have nothing. My direct deposit I had to cancel as well The agents answering phones were not helpful and just kept saying to wait the 10 days. I have I been a victim of identity theft someone please help me fight this dispute it is very serious and it can jeopardize not only my identity but also my credit. Is Blue Bird american Express a fraud?

Company response to consumer: Closed with monetary relief