BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have Paypal Credit Issued through synchrony bank.  I was approved for a XXXX  dollar limit.  I have good credit and have not missed any payments.  I still have XXXX dollars of credit left on my card but it is not allowed to be used online for any purchases now.  When I log in to PayPal to make my payment; the credit is not available.  I have tried for two weeks to resolve with the company. They give the same story every time.  First, they pass you between 3 teams to verify there are no blocks on the account or issues on their end.  Then after they verify all that; they say some merchants don't accept PayPal credit and it's on their end.  The merchants I'm trying to buy from; I have purchased from in the past with PayPal.  Merchants like Walmart, XXXX; known companies.  I'm, not the only person having this exact same issue.  If you go to this link; (XXXX)  there are thousands of people saying the same exact thing and having the same experience and response from the company.  Dating back to XX/XX/2017 to now.   This company ran my credit which DIRECTLY impacts my score just for checking.  They approved me and now deny me the use of the card.  I could of went with another card that does not do this.  The thing that is most frustrating is them always saying "Its not us, we want you to use our card" .  Paypal credit is a scam, they should not be allowed to run your credit and appove you for a certain amount but then let you use it as they see fit

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 2019-06-17
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I submitted my 10th modification Application I was denied on XX/XX/2019 forDebt to Income Ratio The representative confirmed my Income incorrectly. 
I advised him that all proof of Income was provided. 
We were then transferred to Loss Mitigation. 
A representative by the name of XXXX confirmed that the proof of Income was present. Her point was it was present on page 78. 
I was told to write a letter due to Lenders error. 
I wrote a letter and immediately sent it back on XX/XX/2019. 
On XX/XX/2019 I called to check on the status of my Letter. I  was rudely spoken to by the Team Leader XXXX who informed me that there was no Appeal on the Lenders error and that I would have to re-apply. 
Because she was so Rude I chose to speak to someone else.

Two additional Representatives stated they would Escalate my case to the Underwriter.

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 2021-02-25
Company: Bread Financial Holdings, 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, XXXX XXXX, and Comenity Bank/Victoria 's Secret. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is Comenity Bank/Victoria 's Secret Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for unemployment loan deferment XX/XX/2018 when I lost my lost job last year. I received and signed the acceptance of the deferment and Navient has refused to honor this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
I noticed there has been fraudulent inquires on my report that I did not authorize. I have contacted Tranusnion, sent the proper letters and they have failed to respond.

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 2018-02-26
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXXXXXX/XXXX XXXX XXXX The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/2022, through the Chat feature of the American Express website, I requested that American Express ( a ) reallocate the credit limit from my card ending in XXXX ( with a credit limit of approximately {$13000.00} ) to my card ending in XXXX ( with a credit limit of approximately {$12000.00} ) and ( b ) close the card ending in XXXX. This was because the card ending in XXXX had an annual fee which I do not want to pay. American Express agreed to both ( a ) and ( b ) and at that point, it appeared to me that American Express would do ( a ) and ( b ) without any further action on my part. 

On or about XX/XX/2022, I logged into the American Express website and saw that my credit limit for my card ending in XXXX was only {$1000.00} and not the {$25000.00} that I had expected. I raised this with American Express through the Chat feature of the American Express website. Again, American Express agreed to fix this. 

As of today, XX/XX/2022, both problems still remain : XXXX. My card ending in XXXX has a credit limit of {$1000.00}. The credit limit should be {$25000.00}. 
XXXX. My card ending in XXXX is not closed. It should be closed. 

Could the CFPB please help with this? 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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 just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

ally financial XXXX I never authorized there inquiries ally financial XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XX/XX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX cardXX/XX/XXXX I never authorized there inquiries XXXX XXXX XXXX XXXXXXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXXXXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXXXX/XX/XXXX I never authorized there inquiries XXXX cards XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
No mater how many numbers I have to XXXX to talk to citi about my credit card, noone answers the phone. It automated systems that get me nowhere. I should be able to talk to a human being about my problem. I have a dispute on my card that Ive called about in the past and I was suppose to receive a form in the mail I never got. They keep emailing me a link that doesnt open.

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 2023-04-10
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX equiant financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, XXXX XXXX CFO of  Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
XXXX XXXX of XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX hall all conspire to infringe upon our unalienable rights and freedom of liberty 's. These individuals willingly and knowingly engage in criminal activity which has cause direct damage to all parties involved. These individuals took it upon themselves to violate state and federal laws which has cause extraordinary damages financial emotional and physical upon us. XX/XX/18 this fraudulent contract was created by XXXX. Credit was extended in a private agreement and XXXX choose to neglect title 15 section 1692 and made a private transaction into a public transaction which is unlawful. The attachment that will be attached in good faith is PRIMA FACIE EVIDENCE OF THIS ON GOING UNFAIR AND MISLEADING INFORMATION WHICH IS BEYOND REASONABLE DOUBT OF DECEPTIVE BUSINESS PRACTICES. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone has sent applications in my name to these companies listed on this identity theft report. I did not do this & I don't know who has my information but this 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
Consumer complaint received 2021-03-27
Company: TFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account : THIRD FEDERAL S & L ASS # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the Third Federal placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the Third Federal, XXXX XXXX XXXX XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of Third Federal, XXXX XXXX XXXX as XXXX has " DELETED/BLOCKED '' the account as required BY LAW ( FCRA 605B Attached ).

Third Federal will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss! 

XXXX and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars for this " negligence ''! 


I have attached CURRENT LAW SUIT for the party involved, Identity Theft Report from FTC, Current Credit Reports that show I have EXECELLENT CERDIT HISTORY on all 3 agencies.

Company response to consumer: Closed with explanation