BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to JC Penny several time to let them know that a credit card was put in my name. The response I got from JC Penny was that XXXX   verify that it was mines. I tried to explain to Jc Penny that it was not me and to file a complaint. I also sent in several letters to XXXX  and made tones of calls. XXXX  stated I need to file a police report, which I did and the police stated there is noting they can do. I reached back out to XXXX   stating I file a police report, but the police stated they can't do anything. I had a fraud alert place on XXXX, XXXX  and XXXX. I noticed the fraudulent in XX/XX/XXXX when I pulled my credit report. I sent over letter to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also called. Both JcPenny and XXXX refuse to remove the debt. 

Amount {$1000.00}

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 2019-01-17
Company: Experian Information Solutions Inc.
State: GA
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 have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.

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 2023-09-27
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX XXXX  : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 541.21 % The amount financed : {$800.00} 28 % on top of {$800.00} = {$1000.00} https : //www.ustatesloans.org/law/oh/ # : ~ : text=According % 20to % 20Ohio % 20state % 20law, at % 20a % 20time % 20is % 20allowed.

According to Ohio state law, payday lending is legal.

Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-09-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX XXXX, I paid an Attorney ( Florida Law Attorney ) a settlement payment owed on a debt. I paid the agreed upon settlement direct to the Attorney. it is now XXXX, and Midland Credit has placed a judgement against me for the debt. 
The Attorney at the time, XXXX XXXX XXXX has been since, disbarred by supreme court justice in state of Florida. 

I did not keep any records beyond 7 years as I was advised legally, that is statute, similar to IRS filings. 

Midland funding has a judgement on me for this debt that was originally settled in XXXX. 
they came out of the woodwork in XXXX on this matter. I will not double pay a settled debt. they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not late on these accounts I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-04
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I woke up on XX/XX/19 and had a notification from my bank about possible fraud. After looking at my account I was able to confirm that {$140.00} was withdrawn from my account at an ATM in a different state. When I contacted my bank to report the fraud they told me that I couldn't report fraud to them at this time. They asked me to call back and report the fraud after 3 business days. I called 3 times and finally they allowed me to report the fraud immediately after explaining to them my rights under Electronic Fund Transfer Act. BB & T was the bank. They did the same thing to me with a previous fraud and they failed to compensate me within the required time.

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 2019-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to XXXX  XXXX and I received a receipt for my payment.I am now being hounded by Portfolio Recovery Associates, LLC for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested security freeze to be placed under my information and demanded that my personal consumer information not be shared with anyone, any person, and/or any company but it appears it is still being shared without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already complained on Bank Of America, XXXX XXXX XXXX XXXX Its been 2 weeks still I didn't get any response from them. because of this I am not able to take Mortgage loan for a house even I can afford, Please try to fix this as soon as possible, Thanks in advance!! 

Complaint ID : 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 2023-06-23
Company: SANTANDER HOLDINGS USA, INC.
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am out {$460.00} due to a merchant 's failure to provide the purchased item from XX/XX/22. The merchant has refused to refund me and PNC will not assist me. See attachment for full text.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2019 I had the unlucky encounter with a collection specialist who seemed to have a one track mind when it came to answering questions regarding 2 debts of my husbands. One in the amount of {$560.00} for XXXX XXXX XXXX and another for XXXX a XXXX account, they were sending to the Credit reporting agencies. I asked " how do you validate/verify your debt your collecting on? '' " Do you have documentation such as billing statements, agreements or a signature of some sort you can provide me about the collection accounts your reporting? '' XXXX XXXX of MIDWEST RECOVERY SYSTEMS had a nasty attitude right out the gate. Her response was limited to, " no I can't do that '' several times, then provided me with the information " we don't have verification on debts. '' I responded " how are you collecting on an account you can't verify? '' Isn't this why there's a document called a " Verification Letter '' clients request? Who pays a debt that doesn't belong to them or  they're not responsible for? XXXX XXXX then proceeded to tell me " I had been talking for 14 minutes. '' She then kept talking over me trying to get me to say the debt I was disputing was valid. I responded how I had came to her with respect and not an attitude and how she had one before the conversation could start. Then after asking NUMEROUS times asking how do you validate your information, she THEN decide to tell me they'll reach out to the original company to ask for the documents. Why she couldn't of told me this in the beginning, she never answered my question on how they verify their debt. On XX/XX/2019 their business accreditation in the XXXX was revoked by the XXXX XXXX Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet. They have a pattern of complaints against them. Their communication skills are horrendous and they won't give me information that I have the right to via the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: GOLDMAN SACHS BANK USA
State: NJ
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/2022, after logging into my Goldman Sachs Apple Card credit card account, I immediately became aware that my credit card had been used without my authorization in a number of transactions that I did not recognize. The Company rejected my claim on XX/XX/2022 and has refused to provide the required documentation supporting its decision, even though I have formally requested this several times. This is a violation of my rights and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
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:
Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Removal of Private Mortgage Insurance : On XX/XX/2020 I paid down my principle to below the 80 % LTV threshold to remove PMI. I contacted my mortgage service provider, Citizens One Mortgage to request removal of PMI. It took them several weeks to send me a document that I needed to fill out to request cancellation of PMI. I have filled out the required paperwork and both faxed and mailed it back to Citizens One but I have not yet received a response. 

The process to cancel mortgage insurance appears to be intentionally slow and complicated and this will end up costing me hundreds of dollars of unnecessary PMI payments due to the slow response. I need a response from my service provider, and I need them to reimburse me for the extra PMI that I have been forced to pay after my LTV went below 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SANTANDER HOLDINGS USA, INC.
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: Investigation took more than 30 days

Complaint:
Dear SANTANDER CONSUMER USA ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: GA
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 have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are reporting incorrectly a collection for the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over XXXX XXXX XXXX. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX  is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation