BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Amazon Store Card. I feel like I am getting the run around from them and that I have an unnecessary inquiry on my report ( XXXX ) because they continue to deny me. They pulled my report. My score is a XXXX. I have no negatives on my report and no one can tell me why. XXXX  can't tell me and Synchrony can  not tell me. If they are not going to approve me, I would like to know why. I spend a lot of money with them and I would like to have a card through them, but I don't understand why I keep being denied. The automated system is flawed and they should have some type of manual review for cases like mine.

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 2019-08-14
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my payment for my home equity loan for XXXX. On XX/XX/XXXX I made my home equity loan payment for XXXX. The bank applied the payment I made on XX/XX/XXXX to the principal and not to the XXXX payment. They charged me a late fee for XXXX and applied my XXXX payment to XXXX, and my XXXX payment to XXXX. In XXXX, the bank manager at PNC Bank, XXXX XXXX, Maryland instructed me to make two payments, told me the late fees would be waived and that I would get {$150.00} ( the amount of my payments ) back within ten days. That was on XX/XX/2019. To date, I still have not received the {$150.00}. I have exhausted my attempts to contact the bank through phone calls, their XXXX page, and have now enlisted the assistance of any attorney. I am getting no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
There are inquiries on my credit report in which I didnt authorize and is in violation of my civil rights please remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business account was closed for no reason by bank of america. Unfortunately that was the only business account I had. My business went to a total halt and all my funds were inaccessible. 2 weeks later they send me a check in my business name which I cant cash or deposit because I have no other accounts in my business name. I call them to rewrite the check to me personally and they said they cant write another check until 120 days ( 4 months ). So basically they are going to illegally hold my money for 4 months is what they are basically saying.

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 2019-08-14
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Southern Management Systems Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I was XXXX years old when applying for student loans to pay for education while assisting me in room & board expenses. I was not educated on credit as my family struggled with crippling debt. So, unaware of the real-life consequences that missed payments can have on credit I struggled to make payments. Then financial hardships occurred in XXXX leaving me unable to make any payments whatsoever. I called the company to restructure payments with no assistance and finally, the payments when into collections on XX/XX/XXXX, of XXXX. The calls and emails were relentless and would go far past XXXX XXXX as well. 

I am currently extensive efforts to rebuild my credit such as getting secured credit cards to work towards a good credit score. I want to be responsible after taking debt relief and credit education courses to improve my financial literacy and situation as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2018, I have received 121 calls from Clinet services Inc. The company has called me from two different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have no outstanding debt and there is no reason for this company to call me repeatedly. I have received as many as sixteen phone calls from this company in one day. I believe this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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:
I uploaded my ID and identity theft report too many times and some of the agents keeps saying they received it and some said I have to wait 5 days for processing so Im confused Im just trying to get a fraudulent item blocked on my credit report that it and I hate waiting when all my credit cards are in a jeopardy to be closed down .. and I want to dispute a item from XXXX XXXX account and I have the FTC report and my ID to inclosed

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 2018-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  along with Experian and XXXX refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

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 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CB1, Inc.
State: MT
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:
After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX 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 2021-03-26
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : NATIONAL ENTERPRISE SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-03-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my accounts for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX. Please help me to restore my account. I need them for my moms therapy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery is a third party company that brought the debt from XXXX XXXXXXXX. The XXXX XXXXXXXX credit card limit was XXXX. This information was reported to XXXX and XXXX and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, portfolio recovery is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I received a call from what looked like my banks customer service number, It was in fact the exact number that was on the back of my debit card. I answered and it was a foreign man on the other line, he said he works with capital one and that my bank information/ account has been compromised. asked me if I was currently in Alabama ( I live in Louisiana ) and I said no, and he said that charges of over $ XXXX {$500.00} dollar were in my account and that He would gladly close my account and issue me and new card I got on my online app and I saw no such thing ( instant red flag ) he asked for personal information like the numbers on my card and 3 digit code on the back..I hung up and blocked the number. Today, XX/XX/2021 i received a call from a California number, I answered bc i work in a place where I receive phone calls from different states. Again, it was another foreign man telling me my account has been compromised and I said almost verbatim as the man last time. This time, this man had my name and my social security number. I am scared for my credit and personal safety. Please see fit that this information is true to my knowledge and it absolutely scares me to know that some random person out there knows my SS # and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Lane Bryant XXXX XXXX XXXX XXXX, OH XXXX Dear Credit Department I am writing to you today regarding my credit card account XXXX. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to three credit agencies. During the period of the late payment XX/XX/XXXX. XX/XX/XXXX, I was diagnosed with XXXX XXXX. XX/XX/XXXX. 
During this period, this account was established and had was extremely happy with the service, however not the ideal customer. With the mistakes with my handling of the account, my record-keeping failed to comply with the company and I take full responsibility. When obtaining my credit report, did not realize the impact of my credit score.  At one time I had good to fair credit. 

Knowing payment was my responsibility and I am not attempting to justify this breach of my user agreement, requesting Lane-Bryant to review the circumstances under which this non-payment occurred and reconsider removing the negative trade line associated with this account from all three credit reports. 

As soon as I became aware of the balance, contact was made and will pay the unpaid balance in full. I provided this not to justify why the account became delinquent, but rather to show that the issues with Lane Bryant are not a good indicator of my actual creditworthiness. Please consider working with me on erasing remarks on my credit reports. 

I would like to STRESS the information reported is accurate ( not disputing anything with Lane Bryant am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize this is a unique request. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account of its chooses from the credit report. Im praying this request will be granted for this account. 

Your kind consideration in this matter is greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My home mortgage loan was bought out by another company ( Freedom Mortgage ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company FREEDOM Mortgage took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XX/XX/XXXXwhich has hurt my credit score. They have reported the same exact thing in XX/XX/XXXXwhich is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XX/XX/XXXXand the no payment of XX/XX/XXXXreported truthfully. It was not until this week that I finally cleared this up with the loan company Freedom Mortgage. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken Freedom Mortgage all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.

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