BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been using PayPal Credit ( XXXX XXXX ) for very long time. I had paid a third party in the amount of {$1900.00} on XX/XX/2018 using Paypal Credit ( XXXX XXXX  ). I  immediately became aware of the exuberant fees and interest rates associate with using this service. I called Paypal and Paypal credit ( XXXX XXXX ) and asked them if I made a payment to Paypal/Paypal credit XXXX Bank in the amount of {$1900.00} that it would be applied to the high interest rate loan of {$1900.00}. At the time, I had several interest free loans that were in progress with PayPal Credit/XXXX XXXX I was assure that the payment would be applied to the high interest loan first and then remaining would be applied to the interest free balances. When the statement came in, I was shocked to see that the payments I made went to payoff the Interest free loans and the large outstanding loans were NOT paid on. This is wrong. This is unethical. This seems to be illegal. 
In the meantime, I have had to get another loan from another financial institution to Payoff my PayPal credit/XXXX balance. 

I called Paypal credit/XXXX XXXX twice and was assured that if I paid the XXXX back, it would go directly to that charge as it had a very high interest rate attached- THAT DID NOT HAPPEN. They mislead me. This has been documented. Even their own employees did not know the sinister ways of this bank. 

This financial institution should be investigated for criminal wrongdoing. They are clearly and blatantly over-charging customers by applying payments to zero interest loans and then applying the remaining portions to high interest rate balances. 

After numerous phone calls to find someone to assist me, I was finally able to get a supervisor who said : You paid {$1900.00} too early. You should have waited a couple of billing cycles to pay it. There is nothing we can do. No one has the authority to override this decision. Thank you Please look into this bank. 

You can see the hundreds of complaints on XXXX against the illegal practices of this financial Institution. Please do the citizens of this great country a service and investigate them thoroughly.

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 2021-05-05
Company: EQUIFAX, INC.
State: SC
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:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a late payment reported on my credit which was an error. I notified the creditor and started disputes with XXXX, XXXX, and Transunion in early XXXX. The creditor mailed a letter which I received on XX/XX/2020 noting that XXXX, XXXX, Trans Union, and XXXX had all been notified of the update. Upon checking my scores and report, all credit bureaus with the exception of Trans Union accurately updated my report and score. I've tried dealing with Trans Union but between the recent XXXX attacks their cyber security department failed to prevent and general incompetence, I have gotten nowhere. Trans Union concluded my dispute saying they never received any information from the creditor with the late payment/delinquent remark - yet the other three bureaus 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 non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2020-08-28
Company: Credit Card Receivables Fund Incorporated
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:
I used to have a credit card with XXXX XXXX and I felt ripped off and refused to pay and XXXX XXXX dropped me as a client back in XXXX. In XX/XX/XXXX, Unifund had taken control of the debt and they reached out to me via my old mailing address and a phone call. What they decided to do is to hound and harass and serve my father regarding my debt and try to bring me into court by some money hungry law firm which was a total waste of time. Now they got their money but I am still angry and bringing this matter to you because I feel what they did for their greed during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: FL
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigation these items within 35 days gives a reason to immediately remove those items from my credit report. It has been way over 35 days and they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My Information was also impacted by the Equifax data breached may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: STATE FARM BANK, FSB
State: FL
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:
This complaint is regarding State Farm Visa Rewards credit card I've had the card a short time which I receive in XXXX first payment was due in XX/XX/2019 I downloaded the app in order to make my payments Made a payment on XX/XX/XXXX which was early which I do with every card I have On the application I opted into paperless I no longer have any mail I may check it once a month When I did receive my mail I seen that they did a reversal which you will see on a screenshot that I will provide as an attachment of {$30.00} and then they applied a {$25.00} return fee as soon as I received this letter I called the number in the letter which I will also attach but this will be one letter of two letters which is the most recent letter I received regarding the same issue as I said I called the number in the letter they went ahead and made an adjustment on the {$25.00} return fee due to the fact that they realize that there was an incorrect account number that they had assured me was corrected Same issue occurred on XX/XX/XXXX when I paid a {$35.00} payment early as you will see in the screenshot I will attach that was also reverse and a {$25.00} return fee attached to that and that is the issue I'm complaining about I contacted State Farm agents regarding this issue I spoke to several different agents no one was able to resolve the issue or assist me they didn't have the resources they had told me, to adjust the {$25.00} return fee but when in fact they were able to do that in XXXX as you see in the screenshot I requested a corporate number they informed me that it was against their policy to give out a corporate number but the agency was able to request that for me and send it to corporate that I would receive a phone call within 24 hours which I never received a call from corporate regarding the adjustment for a {$25.00} return fee Simply put my complaint is poor customer service not able to assist the customer properly to resolve an issue Giving false information regarding that an issue was resolved no corporate number for complaint department available that the customer can find easily No email sent regarding the issue at hand, when many people today don't need to check their mailbox as many of us as I explained to them does everything online text or email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a BJ credit card in the summer of 2020. Not only was I denied a card but, my reputation was slandered. A negation entry was placed in my credit report, I was falsely accused of ID fraud, possessing high credit balances, not paying on time, and having too many hard inquires. All of these accusations are not true. I have an XXXX and higher on my credit reports with no negative information as documented by XXXX XXXX, XXXX, and XXXX. 

These unjust actions by this company caused me not to be able to get credit and it lowered my credit score.

I am attaching two letters that I had my prepaid legal plan write to the bank for me but to no avail and to responses from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for { {$890.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I have an XXXX backed mortgage that is held by Amerihome Mortgage Company and I am having a horrible time trying to restart my mortgage via the partial claim option. 

This process has been ongoing and opaque since XX/XX/2021 when I have been actively trying to understand my options and pursue the best one. 

I was initially forced into a partial claim with no explanation or options or info given, but I wanted to be considered for the recovery option, by the time They did in XXXX the interest rates and my balance had gone up so much it didnt lower the payment. 

In the meantime they also started foreclosure proceedings on me while telling me explicitly in writing they werent doing that. 

I am currently waiting for my contact at the customer experience office to get with the loan mitigation team and tell me my options but it is taking so long I dont know what to do anymore. 

I know I qualify for the partial claim and per the guidelines they should offer me what results in the lowest monthly payment which is also that ( my old payment ) Any help you could offer Id appreciate This has been a nightmare and I just want to start paying again Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Lincoln Educational Services Corporation
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Professional Credit Analysts of MN, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.

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 2020-11-04
Company: CITIBANK, N.A.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a Citi flex loan on my credit card. This is a fixed loan to function as a personal loan at the rate of 6.99. My interest has been incorrectly charged to me since inception of the loan. This has led an increase in interest payments that just is not legal. I make more than my minimum payments every month. Any amortization schedule shows you a continued decrease in interest payments over time. This is not the case with Citicards. My interest charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not increase the amount owed on this loan.

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 2020-01-21
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX  showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX  and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each  other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Its been 3-5 months and I only received a response that the debt been verified. I want to know who verified it? By law in 30 days debt is suppose to be remove if not verified

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft, and there is someone else 's information reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Benworth Capital Partners LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied XX/XX/XXXX approved by their lender benworth then on my funding day they said they tried funding me which they didnt I called my bank they said I dont have any pending or incoming deposits I checked my account multiple accounts no sign of deposits or rejections I emailed about 8 representatives they Dont respond and some gives a automatic message to submit ticket which i did about 20 times no response! this is so unprofessional

Company response to consumer: Closed with explanation