BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
State: FL
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 pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all XXXX bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.

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 2020-04-29
Company: Paypal Holdings, Inc
State: TX
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:
PayPal issued me a business credit card without my permission. A notice was sent to my email that an " opt out '' should occur. However, I feel credit cards should be an explicit " opt in '' and not an opt out as most consumer privacy laws. Without this opt out, a physical card with active credit limit was mailed to my household. The card was cancelled through PayPal, but customer service was unreachable by phone and did not respond to my request to know how or why the card was sent in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!

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 2017-07-14
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have some conerns in which I was able to obtain a loan in XX/XX/XXXX. without the use of the agency coping my social security card at that time of approval. Currently they called to allow me an increase in which they told me to bring in my social security card due to my issues of identity theft. I brought in all of my documents today as I did in XX/XX/XXXX when first approved. I had FRAUD VICTIM on my credit report they pulled in XX/XX/XXXX as the same one the credit report they pulled on XX/XX/XXXX however this time they would not give me the loan increase because I would not allow them to make a copy of my social security card. I informed them that due to the ongoing issues I had in the past I have a right to not allow you to copy my card however I am showing you my card. You have my proof of income with the last 4 of my social security on it and you have my drivers license with me in front of you. You see my social security card so for you to deny me this loan because I refuse to let you copy my card is not right. Under 31 CFR 1.32 I should not be denied if I choose not to allow someone to copy my social security card. They have many other forms of proof I am who I am even when I loaned in XX/XX/XXXX with my current loan still open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I went to a PNC bank to open an account because I didnt have a checking account. All I had was a credit card account with a different bank. I keep all my money on me as cash or in my friends accounts in case they need to help me pay for something online. So after I got my account open, I asked my friends to send me back my money and they did. I woke up one morning to see that PNC locked my account. The money in my account is supposed to pay my college tuition, my car note, my insurance payment and so much more bills all which are due. Over the course of my account being restricted, Ive had to start borrowing money from people just to feed myself and theyre already asking me to pay back. I contacted PNC bank to have them open back up my account and give me back my money but the customer service agents keep trying to transfer me to the fraud department. Whenever they do that, the fraud department never responds, I spend hours on the class and nobody ever responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
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: Their investigation did not fix an error on your report

Complaint:
Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.

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 2022-02-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.

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 2021-09-17
Company: Financial Data Systems
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, I was getting strange phone calls around a collection debt in XXXX NC, I live Pennsylvania. Then I started to get strange medical bills coming to my house, at that point I filed a police report for Identity Theft, I contacted all the medical providers in XXXX, NC, they told me everything was fixed and not to worry. I recently found on my Credit Report that a collection account was placed against me by XXXX XXXX XXXX out of XXXX, NC for {$100.00} ( XXXX ) for a debt that isn't even mine. My credit report is saying a collection account under Finance Data XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness. 

A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for. 

Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance. 

I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB. 

I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-09
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: GREAT LAKES
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am {$35000.00} in student loan debt. XX/XX/XXXX, I  signed up for student loan forgiveness with a servicing company : XXXX XXXX. 
I was told my loan application for the Department of Education will be sent off for student loan forgiveness and I would be charged a {$190.00} fee for the initial start up. 

After, I would pay {$49.00} monthly, to have my student loan account oversaw at all times. 
I have since found out XXXX is a scam and a dishonest company. 
I have called them to cancel and they have told me I can not cancel and have to pay the full amount owed to them, to settle payment. 

They took out a {$49.00} fee from my account XX/XX/XXXX and XX/XX/XXXX. 

The initial company that contacted me with XXXX has told me several times they sent XXXX a cancellation email regarding my account. The latest time was XX/XX/XXXX. EA has continued to send me emails stating my payments are passed due and if I do n't make payments soon, they will put derogatory marks on my credit score. 

I realize that student loan consolidation is something I can do on my own and they do not get student loans forgiven, as told. 
I am awaiting to hear back from the initial company to confirm XXXX 's response regarding my cancellation. However, the initial company told me if XXXX cancels my account, I will still have to contact them about cancelling my finance contract. I will still owe XXXX and this will affect my credit. 

I want to know what my options are. I am not letting XXXX get away with scamming individuals. I see their reviews online and they ALL express the scam in this business. 
What business emails clients and threatens them?? 
This is absolutely absurd and I do not believe I should be penalized for wanting out of a scam. This company needs to be shut down and legal action needs to be made against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX ***** XXXX XXXX, XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to XXXX XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from XXXX  XXXX informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. This item needs to be deleted from my credit report immediately.

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 2018-01-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.

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 2017-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage with Bank of America. Modified on XX/XX/XXXX.through their ( BA 's ) Loan modification program.My contract was structured for staggered interest rates that reached their maximum XX/XX/XXXX@XXXX ( XXXX ) until XXXX XXXXXX/XX/XXXX of XXXX. The final payment on XX/XX/XXXX will be XXXX.
On XXXX XXXX I starting adding XXXX dollar to my payment to accelerate the payoff and in XXXX of XXXX i made my payment ( I was told subsequently that i paid it one day too early and it went completely to principal ) .. I made 3 calls to 5 people @ BA that assured me it was corrected. A couple days later I received my newest bill from BA and it said that my payment l had been raised {$2.00}. After 3 calls and 5 people later i was told it was corrected and that my next statement would reflect my correct payment ( XXXX ). I received my latest bill from BA XX/XX/XXXX. payment was raised XXXX per month. I called BA 2 times before strongly insisting on speaking with and officer of the bank. I was given VP XXXX XXXX XXXX. I have left 3 messages over 5 days, no response. today I went online and my account acknowledged my XXXX payment but surcharged me 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 2020-04-28
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: Information belongs to someone else

Complaint:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called XXXX XXXX on XXXX XXXX, XXXXto get clarification about why my number of payments toward forgiveness was inaccurate ( it is about 6 payments short of the correct number ). The representative stated that  the payments I made through my previous servicer had not been transferred over. She stated that she would put in a ticket to have this issue resolved, and that it would be corrected in 30-60 days. 60 days later ( XXXX XXXX, XXXX ), I checked my account and the issue was still not corrected. I spoke with another representative, who stated that it could take up to 90 days and that I should call back in 2 weeks and request it be expedited if it is still not corrected.

Company response to consumer: Closed with explanation