BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items

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 2020-05-15
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have uploaded a credit report from XX/XX/XXXX showing the exact same collection with XXXX XXXX XXXX and the date of last activity with the credit grantor was XX/XX/XXXX, which means this collection was due to drop off this year in XXXX. It was apparently transferred to Commonwealth Financial Systems to start this all over again, which is against the Fair Credit Reporting Act. I have not had any contact with the original credit grantor since XXXX, so Commonwealth is not being honest with their previous response, which I included. I want proof from Commonwealth Finance of any updates to " reflect activities, such as balance changes, payments, disputes, closings, etc. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: MI
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:
Navient send me a copy of a contract that I consolidated student loans under the XXXX XXXX XXXX Consolidation program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) Coaf pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my creditXX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX 's XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled credit XX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2021, I tried to transfer {$180000.00} on line, from my checking account at the Bank to an Investment brokerage Account at the same entity. However somehow by a entry mistake or computer error, the amount got transferred to the Credit Card related to the Investment Account. The credit card shows the correct credit balance of {$180000.00} which I have tried to transfer back to either my checking account or my brokerage account. However I could not do it on line and as per the request by the credit card, they required me to conduct this transfer on the phone. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was advised that the request to transfer is under review with no further explanations given. 
My money has been tied up for no reason, and I am losing interest on this valuable asset. 
That is why I am filing a complaint against the credit card and the Bank. 
Thank you for your assistance and direction on this matter.

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 2021-04-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal put limitations on my account for no valid reason and will not help me with getting it back and going. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: SYNCHRONY FINANCIAL
State: WA
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 Credit by Synchrony Bank OnXX/XX/XXXX I made a purchase of {$550.00} using 12 month easy payment financing, expiring XX/XX/XXXX for purchasing a XXXX vacuum. 

I have other outstanding 6 month same as cash items that expire sooner XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I made payment of {$430.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Payments have been applied to the XXXX purchase instead of the soonest expiring balance. My expectation is 1 payment of {$45.00} would be applied to the 12 easy payments and the balance applied to the other purchases. 12 easy payments, means 12 easy payments not unless you pay extra on your account and we apply that to this first as well. 

At best this is deceptive business practice. At worst this is a fraudulent attempt to have older transactions expire to collect the deferred interest. 

I have been told I will have to call to make payments and instruct the person how to apply the payments every time. I have also been told that they will correct the misapplied amount, however this will not be reflected in my account for 30 days. Making corrections applying payments is not a 30 day process. Again this is a attempt to defraud. 

I mapped out my payments and budgeted accordingly before making purchases. Their method forces an extra {$500.00} payment ahead of the payment schedule. Prior to Synchrony, PayPal Credit applied payments as described in my expectations. How payments are applied should be predictable by the title of the credit offer. Easy Payments are ( Monthly Amount ) = ( Total Purchase Amount / # of Payments ). Same as cash in XXX months should be applied to the soonest expiring first. Protect the consumer from being defrauded by the lender. 

Synchrony also does the same allocation and correction process with other accounts that they offer, specifically Amazon Store Card.

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 2018-04-17
Company: General Motors Financial Company, Inc.
State: GA
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:
GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX  XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX   XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX  pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX  pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX   XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Navient Solutions, LLC.
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:
Navient is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on XXXX  or XXXX. The original contact was with Sallie Mae. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. XXXX  should remove because they violated all inaccuracies in XXXX. 

The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on XXXX. 

In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CITIBANK, N.A.
State: OH
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:
First Incident-XXXX XXXX, XXXX XXXX never delivered the item- but was charged a return shipping fee- As I was tracking the item it stopped midpoint- I called and was tole that the driver had to leave for the day and that it would be delivered the next day- it was never delivered- spoke with XXXX and Citibank both which alleged that there was an attempted delivery- false as the recipient was on the line with me and XXXX NEVER attempted to deliver- than the item was out of stock so they alleged Amount to be returned {$11.00} Second Incident- XX/XX/XXXX, XXXX Never charged the amount of {$85.00} by XXXX and placed in dispute pending copy of receipt and proof of charge- Citibank never provided yet indicated that the dispute was resolved not in my favor and recharged the amount back to my credit card- 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 monetary relief
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on Equifax or XXXX. The original contact was with XXXX XXXX. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. Equifax should remove because they violated all inaccuracies in XXXX. 

The last activity date on Equifax is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on Equifax. 

In addition, a 90 days past due is constantly reporting on Equifax and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion did not properly investigate my XXXX account on my credit profile. This is not my account and I have never had an account with them. 

Transunion did not properly investigate my XXXX account. It saying I was late. I was never late. 

Transunion did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX  account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my Dept ed/XXXX account. it is closed and still showing on my credit report with duplicate account Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX  account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX. account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate. 

Transunion did not properly investigate my XXXX XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my Chapter XXXX account. This is not my account I never had a Chapter XXXX account. 





Transunion did not properly investigate my 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 2021-02-10
Company: Meade Recovery Services, LLC
State: UT
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:
Meade Recovery Services is reporting erroneously on my credit file and it must be fixed immediately. Meade Recovery Services filed a judgement against me for a debt that was not mine. I tried multiple times to tell them that and they would not hear me out. This account was fraudulent. However, no matter how many times I got in contact with anyone, no one could ever prove that this account was mine or that these services were ever rendered. In XXXX, I ended up paying the account in full and thought the ordeal was done with. However, I noticed this account is still reporting on my credit. After all I went through with them, they still feel the need to never talk to me but personally affect my credit?!? This account must be removed from my credit file, it is paid and settled despite it not being mine. 
I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report alerts on credit wise and seen SSN TRACKER ALERT and a address that has been added to my experian addresses. It was reported on XXXX of 2020 to experian the address is XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Thats not my address I never used that address nor know whos address or anyone that lives in OK. I dont know if they have used my ssn to vomit tax fraud or unemployment or for jobs or anything but Id like to find out and know what to do about this

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 2021-01-21
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Prior to closing, XXXX withdrew the loan without my consent and now want to reinstitute the same loan but with " points '' in excess of {$5000.00}. 
It is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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