BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is a complaint against unfair account practices with my PayPal credit account. My account is in good standing and my line of credit was decreased dramatically without my knowledge. My PayPal Credit/Synchrony Bank account limit was {$800.00}. I made a payment on XX/XX/XXXX in the amount of {$770.00} to pay off my balance. I logged in today XX/XX/XXXX and saw that my credit limit was dramatically decreased to {$100.00} without my consent. I spoke to a customer agent agent today XX/XX/XXXX and she informed me that an email will be sent XXXX hrs from the time it was decreased which was XX/XX/XXXX. The email should explain the reasons for the decrease and she also mentioned that PayPal Credit will do an account review randomly. I find it weird that my credit limit was reduced after I paid it off. Its like Im being punished for paying off my balance?! It simply doesnt make sense. I was transferred to a supervisor and he told me the same thing and mentioned that the review is according to the terms and conditions of the account. So basically he couldnt do anything about it. He said that I can always apply for an increase and it will be hard pull. The letter/email shouldve been sent prior to the decrease as a warning before you decrease anyones credit limit. Im finding out about this decrease when I havent even received a letter yet. I would like PayPal Credit/Synchrony Bank to correct this and increase my credit limit back to {$800.00}. This will mess up my credit usage/utilization and affect my credit score. The email on the account is 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 2023-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I buy a brand new 2023 toyota XXXX  last year, and they insisted in adding extras extended warrantys, and windshild protection, and wheels protection. I say no to all of this but they insisted and toll me i would be able to cancel thme at any time, so when i try to cancel they said to wait longer until the process became solid, so i call back im about 2 months and still insisted in keeping this warrantys, so i like to get help on this situation because i feel like they abuse, for me to be a new and first buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THEY SENT A XXXX  TO MY HOUSE TO COLLECT A DEBT PAST SEVEN YEARS OLD. THEY ARE LIARS AND COMPLETE FRAUDS. XXXX USED A FAKE BADGE AND XXXX LIED AND SAID HE WAS THE POLICE. I CALLED THE REAL POLICE AND TOOK OUT A CIVIL PROTECTTIVE ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting 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:
there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
Simply, we lease new XXXX XXXX XXXX XX/XX/, and error accord XXXX XXXX XXXX XXXX XXXX, they say we pull only 1 inquiry for car loan and we use Experian, and they also say accord sales lady, and this occur before other customers, and others 2 inquiry XX/XX/XXXX  drop 30 days and need update correct, and there only one application car loan lease XXXX, thank you, 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 2023-11-26
Company: MOHELA
State: IL
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:
Mohela and Federal Student Aid are deceptive and are significantly impacting my ability to plan for my future financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PayPal has allowed erroneous charges to be negotiated against my account. Some are unauthorized some are duplicates. They refuse to resolve this issue. Duplicated payments are paid in days of succession of the authorization with the original charge deleted in transaction history, yet the amount still remains deducted. The merchant will then be allowed again to debit the account once more for the same transaction thus giving a duplicate payment. Paypal will intermittently block transaction from service industry merchants in particular hotels. When I inquired with them the reason for this, they explained that this was done due to wide spread fraud that were detecting with their accounts. Well the charges I am speaking of specifically are dealing with hotels. It's has happened at least three separate times that I've noticed. Either they're being breached or are complicit in this fraudulent activity in either case they are not protecting me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax is reporting inaccurate information on my credit report. There are 2 collection accounts that have no names of creditors, nor do they have a name of the account that they are claiming that I owe. I sent letters XX/XX/2021 and have yet to hear anything back. It has been well over 30 days. Equifax is required to remove these inaccurate accounts immediately. I have no way of verifying any of these accounts without the name of a creditor and the name of an account. Equifax has lost all credibility by allowing unauthorized accounts to be reported. I am also seeking litigation. 
1. Amount : {$160.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT 2. Amount : {$380.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XXXXXXXX

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 2020-02-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX   for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had XXXX   XXXX  and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5. XXXX XXXX XXXX - XXXX 6. XXXX   XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9.  XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13.  XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  -XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I deposited {$6500.00} XX/XX/XXXX at sun trust bank, XXXX XXXX, XXXX, Florida XXXX, XXXX, they said my money would be available in 7 days, on XX/XX/XXXX, I tried to log into my acct and I couldnt, I called them and they said the acct was being closed, and they would mail the money to me in 10 to 14 days, the checks had cleared both business acct that checks were written on, but they wouldnt refund my money directly, Im a XXXX year old man trying to relocate to XXXX from XXXX, I find this very disturbing as well as financially uncomfortable, the bankers name is XXXX XXXX, also XXXX XXXX at another branch location, upon talking to bank regulators in XXXX and XXXX XXXX I found out, similar complaints were not uncommon, as these where the states I had to call to try to get some action on my predicament, I find this action unbelievable to be allowed in our banking systems, any and all assistance would be greatly appreciated, respectfully, 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 explanation
Consumer complaint received 2018-04-21
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive letters from a Debt collection Law firm called Hunt & Henriques, Attorneys at Law, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. Hunt & Henriques have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired XXXX  XXXX with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into Hunt & Henriques, Attorneys at Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When I applied for a Capital One Business credit card using my EIN on XX/XX/XXXX   I was denied with the reason being that Capital One could not verify my identification. However the hard inquiry instantly hit my credit profile before the company had even obtained my ssn. I had called into Capital One to ask them what documents were needed to additionally to my application, followed the directions and sent in the documents. I was denied on the XXXX of XXXX. After my second complaint I received a call from an executive who left a message and I have yet to personally talk with her but yet my case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 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

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 2023-09-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
MY DISPUTE IS WITH ( XXXX XXXX XXXX ) CREDIT CARD COMPANY, ( COMENITY CAPITAL BANK ) AT XXXX XXXX XXXX XXXX, OH XXXX ON MY XX/XX/XXXX BILLING STATEMENT IT SHOWED- PREVIOUS BAL.+ XXXX PAYMTS XXXX other credits XXXX purchases XXXX other debts XXXX fees charged XXXX interest charge XXXX new balance XXXX On XX/XX/XXXX or XX/XX/XXXX I paid this balance in full XXXX It shows in this XX/XX/XXXX month statement I am already paying a accrued interest fee of XXXX So when I paid off the amount in my XX/XX/XXXX statement of XXXX before the actual due date ( XX/XX/XXXX ) I do not expect any additional cost... but because of this misrepresentation my account was charged additional XXXX which then was reported late on my credit report as XXXX LATE PYMTS!!! 
I have ( XXXX ) late charges in the last XXXX yrs,, This XXXX charge has disrupt my diligent efforts to keep my credit in good standing... 
My QUEST is to have these late payment removed from my credit report, I feel rightfully to do so The closing date for this billing was XX/XX/XXXX payment was made in in full in less than 25 days,, actually was 12 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: KLS Financial Services, Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter to KLS Financial Services about an account on my consumer report I am not familiar with. The account number for this account is # XXXX. I sent this letter to KLS Certified Mail the Tracking number is # XXXX to ensure this letter would reach the company. 

KLS did not respond to dispute letter within the mandated time frame set forth by the FCRA. I request that this account be removed from my consumer report immediately! Obviously KLS financial services does not has the substantial proof to verify this accounts existence on my consumer report. Attached is the Dispute letter for account # XXXX to KLS financial and also the Tracking information to KLS Financial Services .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Creditor JPMCB AUTO { Chase Bank } ADRESS XXXX XXXX XXXX, XXXX DE XXXX ACCT XXXX XXXXXXXX OPEN DATE XX/XX/2017 I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and high balance is wrong. accounts says open then on there credit reports its not correct. 


Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus.

Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.

Company response to consumer: Closed with non-monetary relief