BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX nor its affiliate company XXXX XXXX XXXX XXXX XXXX not licensed to collect debt in the state of ALABAMA.

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 2016-05-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank has been lowering the limits on all of my accounts that I have with them without notifying me. I find out about it when I view and pay my bills online. They hurt my credit by lowering my limits. My score drops and then they use the lowered score to drop my limits again. It 's a never ending cycle. It 's an unfair practice and illegal for them not to first notify me that they are lowering my limits. They say they have sent me notices but to this day XXXX/XXXX/2016 I have not received a single one.

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 2015-12-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Barclaycard - MasterCardThey decided to close my credit card for lack inactivity without any notification. 

Letter mailed XX/XX/XXXX - according to them they mailed a letter notifying me that the account is closed. 

XXXX 2014 - Account was establishedI would have happily bought some toothpaste or soda can with their credit card to keep it active. However, they closed the account without any notification or communication. 
In my opinion, this is a denial of credit is illegal and a violation of Frank-Dodd Act. 
I would even argue this is racially motivated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX XXXX XXXX in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.

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 2016-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled a debt with Bank of America. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' I have sent the documentation to the credit bureaus and they have responded saying that the debt has been confirmed. This is a XXXX debt -- not XXXX -- so anything related to it should be reported as " settled '' -- even if it is associate with XXXX distinct account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
GECRB/AMAZON PLCC has been reporting an account to which is NOT mine. Following it 's discovery I submitted a demand for validation of debt and following their failure to do so, I sent the a motion to bring complaint under XXXX XXXX XXXX XXXX for unfair and deceptive practices and acts, to that they have also failed to respond appropriately. The company has violated multiple State and Federal laws in regards to FACTA and FDCPA regulations and suggest strongly that they are held accountable for said actions and sited for all violations in accordance with Federal Statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Resurgent Capital Services L.P.
State: LA
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:
Collection will not send me an itemized summary of my account They have the open date of the account wrong on my credit report and refuses to change it has started the account over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company report information on my credit report that don't have any knowledge of this debt never done any business with this company I asked to provide me with documents showing that I have a signed contract or agreement with this company I ask them to provide me a copy of driver license and copy of social security number and provide me me information that they are license and register to do busy in the state of Tennessee they haven't provide any thing. This company isn't following the fair credit reporting laws 609

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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened a Marriott XXXX Chase card. I am a Marriott time share owner in XXXX. Account opened in XXXX on XX/XX/XXXX Chase closed the account. I called they said they sent letter which i never recieved. In XXXX i called they said they would resend letter. And i would recieve a call back from Management. Never received call back but their records stated they tried XX/XX/27. talked with XXXX in customer service re the letter i recieved their was no reason stated. Since they are the Marriot property rewards program i have been unjustly penalized by not having use of this card. they still would not give reason for the cancellation I have other Chase cards and a XXXX credit rating. Need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I initiated a transfer of XXXX from Venmo to my checking account on XX/XX/XXXX. Venmo says the transfer is complete. My bank never received it. Venmo says there is nothing they can do and they are keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on 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 2021-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ), reporting inquiries without my permission, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I opened a paypal acount as a way of transacting internationally the account email is XXXX. However I was shocked that upon the depositing of money in the account, it was immediately limited permanently for 180 days. According to the company 's policy, you have to wait for 180 days and an email on how you could withdraw from the account would be sent. 
I report that even after waiting for the 180 days, my money is still held. I have tried to reach them on my phone but still I get automated phonecall. i dont get to speak with the agent. My money has been held for 329 days I received an email that they try reaching me on the phone but it was not going through.it is a lie. 
it is only fair that Paypal stays true to their policy, why is money held upto 329 days when their policy says that the limit is 180 days??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EZCORP, INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Eltman Law, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2016-11-23
Company: EZCORP, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
a company calling on behalf of EZmoney has called my grandma, grandpa, and myself and other family members over XXXX times telling my XXXX grandma unless she paid them money i was going to be arrested and charged with a felony and serve 5-7 years in prison this also was said multiple times to my grandpa at a seperate number also to me they read a license plate number from a car i had 15 years ago and threatened they were coming out right now to arrest me to both me and my grandparents i have signed affidavits from the two of them and me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from XXXX and experian. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now im vary confused as to what to do next. i cant be responsible for something thats not mines.

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 2021-12-17
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2016-05-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently applied for a loan for a home to find out that there was a fraudulent pull on my credit from Walmart for a credit card. This inquiry is impacting my credit and needs to be removed. I was advised by their CS line that I needed to call XXXX. However they advised me that I needed to call Walmart. No help at all XXXX Need removed

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 2015-11-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Despite my several attempts to have Equifax update and correct my credit report, there are several accounts that remain incorrect such as : XXXX # XXXX XXXX XXXX BANK XXXX XXXX XXXX has been paid in full and remains paid off yet is reported as owing a balance of {$360.00}. 
All XXXX XXXX accounts are incorrect. 

The following inquiries were made unknown to me and without my consent : XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards FCTUALDATA Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have no problems with fair at all but they're very hard to get in touch with I was doing XXXX on the XXXX of XXXX I got to order at XXXX 's on XXXX XXXX in XXXX XXXX as I was making a U-turn on XXXX XXXX older women speed it up to hit me why she could collect insurance money insurance fraud I reported XXXX XXXX police by the Woman being white with two witnesses she told the police I turned on red when I was turning it was on Green I do not know how she could see the other side what could of the lights was I try to report start Insurance claim up but I didn't know the policy number so please help me Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have paid credit repair agencies for years and have contacted XXXX XXXX and equifax myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

Company response to consumer: Closed with explanation