BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Syncrony credit cards- when you have a promotional purchase, they do not apply, nor is there a way to set how much of your payment you want applied to, any of the payment amount you make. I have three promotional purchases with them - one for HSN and two on PayPal Credit, that are 6 months interest free, however, none of the payment you make above and beyond the minimum due, is applied to that promotional purchase. I've tried calling them and telling them that anything over my minimum is to be applied to that purchase, they tell me no. I must call WITH EVERY PAYMENT I MAKE and let them know how to apply it. That is the most redundant and asinine thing I've ever heard of. It's like they want customers to miss paying that in the promotional time period so they can charge the accumulated interest charges. No other credit card I deal with does this. I can set my promotional payment allocation on other card 's website so I don't have to CALL EACH MONTH to allocate my payment. So a six month promotional purchase of no interest is really not a six month no interest purchase because they catch you at month five and say " you're going to get hit with interest unless paid by xx date ''. It's deceptive in the fact that you think you are making payments towards this purchase when in reality, you are not, unless you CALL THEM and allocate your payment. This is totally geared for failure on the consumer 's part and nothing but gain on Syncrony 's part.

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 2020-09-03
Company: TOPA EQUITIES
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The car was paid off through my insurance company XXXX on XX/XX/19 in the amount of {$11000.00}. The remaining balance of {$470.00} WITH XXXX collection was paid off as well. Supporting documents have been uploaded. Please remove from my credit

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 2020-10-21
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The company National CREDIT Adjusters reported incorrect information on all three of my credit accounts. They restarted my date from which they open the account from XXXX XXXX which was XX/XX/XXXX and know they restarted the date to XX/XX/XXXX but that is incorrect information and the Texas law states that the statue of limitations on debt in Texas is 4 years as it states in Section16.004 of the Texas civil practice and Remedial Code. Section 392.007 of the finance Texas code. This section of the law introduced in XX/XX/XXXX states that a payment on the debt ( or any other activity ) does not restart the clock on the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a consumer and natural person. Navy Federal credit Union is in violation of the following Federal laws : Fact, affiant is aware and has proof pursuant to 15 USC 1611 that Navy Federal Credit Union is criminally liable for violations of 15 USC 1605 and 1666d as it led me to believe that I am responsible for paying cash for the balance on the XXXX XXXX account. Navy FederaXXXX has accepted cash payments from me. 

Fact, affiant is aware and has proof pursuant to 15 USC 1605 that a finance charge is the sum of all charges. A finance charge was involved in the consumer credit transaction I initiated when opening the XXXX XXXX account. 

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not responsible for any financial obligations to Navy Federal Credit Union.

Fact, affiant is aware and has proof pursuant to 15 USC 1666d, that Navy Federal has failed to credit my XXXX XXXX account with the finance charge involved in the consumer credit transaction I initiated upon opening this credit account on XX/XX/2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 6802 that I have the right to opt out of the sharing of my nonpublic personal information with third parties.

Fact, affiant is aware and has proof pursuant to 15 USC 1602, my XXXX XXXX account is an open-end credit plan.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and 1343 that Navy Federal has devised a scheme to obtain money by means of fraudulent pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked XXXX plane tickets and XXXX sets of XXXX XXXX XXXX XXXX with XXXX XXXX. XXXX stated before my purchase was complete that if I got the XXXX Credit Card I could get buy-one-get-one-free-plane-tickets for my flight for also purchasing a 7 day car rental. I was approved for the credit card, I completed the transaction as stated benefits buy-one-get-one with the new XXXX credit card with my XXXX XXXX and XXXX sets of XXXX XXXX XXXX XXXX. BUT my 2 air plane tickets did not come off the purchase price. Now I just also got a credit card coming that cost me {$59.00} a year and I didnt even get the benefits as promised with my new XXXX Credit Card XXXX Purchase confirmation number is 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 2020-10-21
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: Public record information inaccurate

Complaint:
This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX XXXX and Experian showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Experian is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and experian refused to remove it. And still stated that XXXXXXXX XXXX  verified on XX/XX/2020. How is that possible when the dispute came from their company? Experian also is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.

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 2020-10-21
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:
I disputed this XXXX XXXX account with experian in XXXX and I notified them that this agency failed to validate this information. Experian refused to investigate and only parroted back that " this company verified this account as accurate. '' How do you " verify '' failure to show validation? This makes me believe that experian has failed to investigate my claims. They have not shown any proof of such verified information and claim that they dont have to. Then how do you verifiy an account without documentation? The law states I can request whatever you have in my file and I can request proof of your investigation documentation not just your results that says verified updated or deleted. How did you reach this conclusion?

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 2020-10-21
Company: Scott Fetzer Financial Group Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CT
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:
On several attempts, I have filed a case with Experian about me being a victim of identity theft. I have attached countless police reports, my ID, utility bill and social security card. I also filed FTC identity theft report as well and Experian won't acknowledge it. Experian tells me that they won't reopen another dispute no matter what information I have and I have to speak to the companies reporting on my credit profile. It is consumer law that if there is any inaccuracies or any doubt that any of this information can be inaccurate by law the credit bureaus must remove accounts from the credit profile. I have printed out my credit report and its in errors all throughout my credit profile. I will upload my police report, my credit report and the response from Experian not willing to delete the inaccurate information and they're going against consumer law. I am taking this step before filing a lawsuit.

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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A repo collateral so debt was paid and still won't remove off my credit being over 7 years and they still applying it to my credit would like for it to be removed

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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-20
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$32000.00}, Bankruptcy XXXX  XXXX-discharged Reference XXXX, XXXX  XXXX Date opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$710.00}

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 2020-10-21
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
during covid 19 I was not granted any relief by my bank where my mom co signed for a credit card and personal loan my credit score in XXXX of 2019 was XXXX because of not being able to make loan payments or cc card payments and not being granted deferrals on anything I applied for pandemic relief and was told I never did my credit score is XXXX PNC has a collection agency all over me and I wanted to pay off personal loan my mother is on with me she had an XXXX credit score HAD I HAD A BAD check someone gave me so my personal bank account got overdrawn so now they want $ $ $ $ for that also There debt collector calls me and I told him I will pay off the personal loan my moms on as far as my own personal account they can kiss my but because I deposited the check and waited 4 days before I withdrew the money well as a courtesy they gave me the money b4 the check cleared thus for screwing me he told me he was calling to collect loan payments so I paid him all I owed on loan Turns out it was not for the loan I've swore to my mom it was paid off the man told me it was well I found out it isn't paid off and I'm passed it went to my personal bank account exactly were I told them I wasn't going to settle yet CAN A DEBT COLLECTOR JUST FLAT OUT LIE TO YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

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 2021-08-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : NAME : XXXX XXXX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Account status incorrect

Complaint:
XXXX XXXX Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with XXXX XXXX XXXX They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-01-15
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my credit an account appeared in collection from XXXX and that is being charged by the agency SOUTHWEST CREDIT SYSTEMS ". 

I contacted the agency on XX/XX/2022, to find out about this " debt '' and the person who assisted me was not able to find an account with my name in the system, the person made several searches using my first and last name, my phone number and my personal address but was not able to find a collection account under my name. 

I asked this person for information on why there is a fake account under my name and they hung up the phone on me. I made several more calls and the person kept hanging up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX MADE AN UNLAWFUL INQUIRY WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA AND ARE IN VIOLATION OF THE CREDIT REPORTING ACT OF 15 U.S. CODE 1682B. 

I HAVE A CELL PHONE WITH THEM AND THEY DO NOT HAVE MY AUTHORIZATION TO MAKE UNLAWFUL INQUIRIES AT THEIR LEIZURE.

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 2021-03-30
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an debt card from MoneyLion in my name and I never asked for. I've tried to contact the company but they do not have a phone number that I can talk to a person. 
I've sent several emails and never got a reply. 
Not sure how I can contact a company that I've never used?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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