BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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:
I have been trying to get some things off my credit report with XXXX, Equifax and XXXX  that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX   XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) Transunion ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was in a panic over not being able to pay my bills, because my son, who was living with me lost his job a few months earlier and I alone was not able to pay my bills. I was short each month by the {$1000.00} my son had been paying me. I had a low credit score and already had 2 personal loans and some credit card debt. I was desperate and took out a XXXX XXXX XXXX XXXX XXXX loan for {$1000.00} in XX/XX/2018. They deducted the 1st payment on XXXX for XXXX, ( {$380.00} of that was INTEREST ) after that I would have {$480.00} taken out for the next seven months. I was able to negotiate with them to deffer my XXXX payment to the end of the loan, which helped some. 
When I finally came to my senses, I realized that over the term of the loan which was 8 months I would be paying them {$3700.00} for a loan for {$1000.00}. Can they legally charge that much interest?

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 2019-05-28
Company: North Shore Agency, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband chose not to renew his subscription with the magazine XXXX XXXX   because he was going to start an online subscription instead. 

He has subscribed to that magazine for over a decade. 

So now we got a letter today from North Shore Agency, stating that they have put us into collections with them, a collections agency, for {$29.00} that we do not owe XXXX XXXX, b/c as far as I know, no one in this house agreed to subscribe to your magazine until the end of time. 

A simple XXXX search will turn up multiple complaints about this collection agency targeting people with fake collections letters for not renewing their magazine subscriptions. 

This is a deceptive practice, targeting people and trying to scare them, and it should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.

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 2018-10-27
Company: EQUIFAX, INC.
State: MO
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:
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX  ( XXXX ) 13 ) XXXX  ( XXXX ) 14 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. 

XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. 

XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. 

XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. 

XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. 

XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: PNC Bank N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}

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 non-monetary relief
Consumer complaint received 2021-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Suspects opened a checking and savings account on XX/XX/21 by identity theft by somehow using my passport to do so. They then deposited and withdrew bogus unemployment funds. Huntington Bank will not allow me to close the accounts. Ive sent a letter and called several times and still have not gotten any resolution. Im VERY disappointed with their lack of communication with me. When requesting to close both accounts they said I have to travel to their location 8 hours from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for  {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: NC
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:
Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have three parts of the bill : standard purchases, promotional purchases, and easy pay contractual agreements for a fixed payment each month. The company policy is if a consumer wants to allocate payment a specific way, a consumer must call in and request an allocation of funds. On XX/XX/XXXX, I called XXXX in and spoke with a Paypal representative ID XXXX. All conversations should be recorded, as I was told. I made a payment of {$490.00} and ask to allocate the money as follows : 1. {$130.00} to close all my standard purchases ( meaning that balance that incurs interest should be XXXX  ) 2. {$40.00} to easy pay ( the initial agreement is {$40.00} on the XXXX of each month ) 3. {$320.00} to cover promotional charges. Paypal/SYNC took the money but never allocate the funds as requested. I called in on XX/XX/XXXX, and spoke with agent ID XXXX, then XX/XX/XXXX ( agent ID XXXX ),  then on XX/XX/XXXX ( agent ID XXXX ), and then XX/XX/XXXX spoke with XXXX. The requested allocation never occurred as requested. Only promotional charges were covered and the rest of the money went to easy pay account still leaving the standard purchases intact. Today, I received a new statement, and the bill shows that I still have the standard purchases of {$130.00}, meaning that interests were charged. I called PAYPAL/SYNC several times and sent them letters ( I also have copies ), but nothing has changed. It looks like SYNC is overcharging consumers or do some other actions that confuse consumers. I need SYNC to allocate payments as requested and stop charging me unnecessary interests on the purchases that should be paid on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment. 
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon. 
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me. 
Thank you kindly for your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reason to believe that Bank of America has placed excessive holds on my account with Fraudulent reasoning. I received two checks both from my Law firms, the first check was placed on a seven to 10 day hold. The second check from the same institution was due to clear on the third business day and yet an additional hold was placed on my account with the reasoning being that they had information which lead them to believe that the check may be returned. This in no shape form or fashion was true. The first check did not have any issues being cashed, was not returned or delayed by the sending banking institution. When I reached out to Bank of America to counter these claims, I was told that they couldnt tell me how they came to those assumptions. Which lead me to believe that this Bank was targeting me and withholding funds without reasoning. My livelihood is being affected due to presumption decision making. I begged and pleaded that a portion of my funds be made available and they declined without reasoning. The additional hold was only placed on my account after I made an appointment to close my account the day the check cleared. I understand how institutions hold funds to make interest of the money in ones account, to hold my funds on false reasoning is unethical!

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