BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For several years I have been called by XXXX XXXX  for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.

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 2018-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls my phone several times a day from various area codes none of which are the area code I live in, when I answer the phone there is no one there most of the time. I called the number back today ( number from Virginia and I live in Illinois ) to find out who is calling my phone. They asked for personal information from me and I told them I had no idea why they were calling and that they called me first I wanted to know who they were and why they were calling. I gave them my name but nothing more. Again was asked for social security number and I told them I would not give out my personal information without knowing who is calling and why. Their only reply was this was a personal business matter, I explained I didn't know who they were and I had no personal business with their company. She said she was going to end the call because it wasn't getting anywhere. I told her they were going to be reported to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A buyer contacted a seller requesting to buy the item and pay using Zelle. They asked for my email address to send the payment. But the buyer did not send payment. 

Instead, the buyer sent a fake email to me that appeared to be from Zelle. The email alleged that the buyer paid using a Zelle business account and that I must also upgrade to a Zelle business account to receive payment for a fee of a few hundred dollars. 

The buyer then contacted me directly, claiming that they received the same email from Zelle and then sent me enough money to cover the purchase and the upgrade fee. Then they asked to be reimbursed for the upgrade fee. They provided fake screen captures and documentation as proof of payment to get me to send the refund and explained that my funds would be pending and thats why i wouldnt get a receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a human being not a credit repair company. I reached out to Equifax about the fraud accounts and inquiries on my credit they have not investigated or fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been attempting to file disputes online with Equifax since XXXX of XXXX and filed a complaint with the CFPB in regard to this issue. 
I have received a copy of my credit report, via USPS, and spoke with someone at Equifax yesterday to find out when information would be deleted from my credit report. 
I found that XXXX XXXXXXXX XXXX XXXX is inaccurately reporting data and not showing a complete historical account information section on my credit report for the " DATE OF 1ST DELINQUENCY ''.

The date of 1st delinquency reported is XX/XX/XXXX, but the " ACCOUNT HISTORY WITH STATUS CODES '' shows XX/XX/XXXX. 
This account was opened in XXXX of XXXX. 
The date of 1st delinquency should have been in XXXX or XXXX of XXXX. 
I have previously disputed and sent numerous letters to XXXX XXXX XXXX XXXX in an attempt to retrieve all accurate information for review and to date, still have issues with this account. 
I believe that this is an attempt by XXXX XXXX XXXX XXXX to re-age the account for reporting purposes in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.

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 2021-05-01
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I submitted a dispute to XXXX, disputing a debt in the amount if {$610.00} that is being reported by Consumer Adjustment Company. On XX/XX/2021 XXXX stated that the investigation was complete, and that the debt was validated. I sent a certified letter on XX/XX/2021 to both XXXX, and to Consumer Adjustment Company requesting debt validation. Consumer Adjustment Company never replied to my letter. On XX/XX/2021, XXXX stated that the second investigation was completed, and gave the EXACT same response, that the debt has been validated, but failed to provide me with information on how they validated the debt. They didnt because they did not validate it to begin with because the debt is NOT mine. I called XXXX about receiving the same results and spoke with a representative that told me that they can try to validated again. That makes no sense to me when they were supposed to be validating it after the first request. This is consistently being reported and negatively impacting my credit, and yet neither company can show proof that this belongs to me. That is because it doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Equifax allowed an UNAUTHORIZED entity XXXX do a hard pull to my credit file -- I DID NOT AUTHORIZE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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 disputed the inquiry with XXXX XXXX XXXX and TransUnion but they refused to removed it. the inquiry took place on XX/XX/2017.

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 2020-07-21
Company: TD BANK US HOLDING COMPANY
State: MA
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 see multiple 30 & 60-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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust bought my mortgage. I tried to set up recurring payments online. I accidentally went on the 'one time payment ' page and when I realized it I tried to cancel and go to the 'recurring payment ' page. It asked if I wanted to cancel and I clicked 'yes '. Then I set up a recurring payment. It was then that I realized SunTrust had taken two payments. My wife and I have spent several hours this week trying to get the second payment back by jumping through all of the hoops SunTrust required to prove the transaction happened-DESPITE THE FACT SUNTRUST SENT US NOTIFICATIONS THAT IT HAD RECIEVED BOTH PAYMENTS!!!! I even went to a branch of the bank from which the funds were transferred ( XXXX XXXX ) and got a printed statement and a signed letter from a bank manager stating that the funds has been dispersed. Today I called SunTrust and they told to me to fax them the documents. After redacting everything on the XXXX XXXX statement - except my name, account number, and the transaction amounts to SunTrust - I faxed it to them. A representative just called back and said they wouldn't refund my overpayment unless the document showed my checking account balance after each of the transactions to make sure it wasn't a negative balance. I asked why, if they had received both payments, they would care if it was a negative balance ( XXXX, it was not a negative balance ). She couldn't answer that. I said that was private information between me and my bank and was none of SunTrust 's business - ESPECIALLY since they had received and deposited both payments. I asked if she would want to show a third party any balances on her banking accounts. She answered, " Yes, if I wanted to get my money back. '' Isn't that called blackmail? I sent them the information they requested but I feel that they have gone way too far with this request/issue by delving into my personal information they have no right to. I have now XXXX SunTrust and am shocked by the number and scope of the complaints against this bank. If I was rich I would pay off this mortgage right now just so I would never have to hear/see the name of this unscrupulous bank ever again!

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 2022-01-08
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi Bank has been keeping harassing me every week asking me to provide information for my checking account, and most of the information shouldn't be required for a checking account. Every time they asked for something such as SSN, employer, salary, job, office, work duties, education, houses, my parents ' info, etc. They have been harassing me every week, and I have already spent 4+ hours responding to these requests. They are violating my rights as of following : 1. A lot of the information should be private ( eg : where my father lives ) which should not be questioned for a checking account 2. I requested an explanation of this obviously excessive harassment, and they failed to provide valid reasoning and just told me it is their " periodic routine check ''. This can not be true as I have never heard anyone having a similar situation 3. I requested a privacy notice as the information I provided was private and confidential. They refused to provide such notice and even threatened me 4. They always contacted me during work hours and have wasted me 4+ hrs responding to these inquires and emails so far. I should be reimbursed for the work time 5. Every time they promised not to harass me anymore, but I usually received another harassing phone call 2 weeks later 6. Every time they called me using different numbers which are not the Citi 's number on the back of my card. I suspect they use personal numbers or unofficial call centers to spam me

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 2019-05-20
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I made a payment of my account balance in full, 1 day late. I received a late charge for {$25.00}. I paid this late charge in XX/XX/2019. This was credited to my account 1 day late, so I received a statement with a {$25.00} late charge for the late charge. There was no other balance on my account. I requested removal of this fee as there was no statement balance and under 12 CFR 227.15 it is unfair to charge a late charge when the sole balance is a late charge. The company has refused this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: SUNTRUST BANKS, 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:
The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Written 2 validation letters and sent certified mail to TransUnion & XXXX regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.

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 2021-10-12
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Paramount GR Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
( 1 ) GoodLeap provided a loan to purchase a photovoltaic solar panel system attached to a house I recently purchased, and I assumed the GoodLeap loan as part of the purchase.

( 2 ) GoodLeap has not generated any billing statement for my account since approving my loan assumption. Further, the company does not provide an account history or balance on its website.

( 3 ) I have sent two months ' worth of payments based on my understanding of the loan terms, while waiting for GoodLeap 's records to catch up, and my account should be in good standing.

( 4 ) GoodLeap has repeatedly sent me threatening messages stating that my account is past due, and threatening to report this account delinquent to credit bureaus.

( 5 ) Over about six weeks, my repeated attempts to contact GoodLeap and resolve this matter have been ignored.

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 2018-10-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A few weeks ago I was on the XXXX website looking at a snow blower model that XXXX XXXX had recommended. Yesterday I received a XXXX credit card that I neither requested nor applied for. This morning I called the number that came with the credit card to cancel the account. The " customer service ' representative ( XXXX ) I spoke to was asking me for very personal information including my date of birth and social security number. Why in the world would they need that private information when I'm cancelling a credit card I didn't even apply for? When I resisted & questioned giving the private information she said " you mean the information we already have? '' When I refused to give my SS number the representative stated that I could either answer all of their questions or she would end the call!!!! I asked for a supervisor, she told me she didn't have one and then hung up on me. I am furious! How does this person even have a job, especially talking to customers? Is it even legal to send me a credit card I didn't apply for? I'm not sure if this is a XXXX problem or a Citibank problem ( I think they are the credit card issuing bank ), but either way somebody has a huge problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

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 2021-04-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
Santander bank keeps reporting to the credit bureau that I am late with my monthly payment. I reported Santander bank to the credit bureau two different times. Santander fixed it both times, but I never was made whole because the points I received after fixing their mistake were far less than what was taken from me. Santander bank recently reported a third time that I am late with my payment. My credit score in the past was in the XXXX range and I worked very hard to get my score above XXXX only to have Santander bank report falsely that I have been late three separate times. XX/XX/XXXX is the first time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is the second time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is their latest mistake and they falsely reported that I was late and my score dropped XXXX points. Please make them stop.

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