BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American Credit Acceptance has not sent me a statement in over two years. After their first of two repos, they stopped sending anything and have locked my online account. All I can do is pay by phone and only can make what I assume I owe for the month. I have zero idea of my balance, if I have missed payments, nothing. I have been paying {$600.00} per month, while being charged a {$6.00} fee to pay. They keep sending emails about repo, even with payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: PA
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:
These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 
78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. 

We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. 

I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. 
This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: IMC Capital, LLC
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX and Transunion are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX 's XXXX, XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
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:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
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:
XXXX XXXX ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. Regional acceptance corp is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.

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 2016-04-13
Company: Simon's Agency, Inc.
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:
I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I can not speak to anyone in the risk department to clear my account of the suspected fraud hold to get a replacement card. I have been trying for 3 weeks wakong up at 5 every morning. No progress. I'm having to take out payday loans and apply for food stamps. I'm hungry. My phones getting shut off. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX dealership ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. XXXX XXXX XXXX is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: PA
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/2021 I disputed an alleged bankruptcy that is reporting on my Experian report. The agency did not make sure the information reporting was accurate according to federal law and my rights as a consumer have been violated. Attached is the document I received from Experian on XXXX XXXX, stating that the information is accurate. I never received any information regarding the status investigation prior to this date, nor was any information requested of me to verify which information is accurate and which is not. I have already found numerous inaccuracies regarding this item, such as the reference number used, and the knowledge of information Experian purchased from a third party without my consent for the agency to do so. Additionally, Experian also stated that the company has reported the information. Attached is a formal letter from the company, which Experian claims the company verified the information. Experian has caused me a great deal of stress regarding this issue. My privacy and my ability to be approved for credit have been violated.

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 2017-03-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!

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 2022-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting an account on my credit profile that I did not give written consent. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX  ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian opened my dispute on XXXX XXXX, 2022 and completed the dispute on XXXX XXXX, 2022. This seems impossible to believe they did a proper investigation. I still have not received any documents authorizing my consent to have this reporting on my credit profile. 

In addition, XXXX XXXX  has not provided any documents with my signature. This is a violations of my federal rights!

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 2016-10-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
To whom it may concern : On or around XXXX/XXXX/2016, I visited a newly built XXXX in XXXX, NJ. My only purchase was a white throw pillow. The cashier offered me a XXXX XXXX customer rewards card. I told her that I did n't need one today. She stated that I would receive an additional 10 % for signing up for one. I acquiesced and provided her with my information. I also asked her several times if this was a store customer card or a credit card. She confirmed several times that it was only a loyalty card. She handed me a form and asked me to add my SSN and sign the bottom of the form, which I did. When I finally came to my senses I realized that she had run credit. I IMMEDIATELY called for the manager of the store. She apologized profusely for the cashier making this error. The cashier DID NOT understand the difference between the loyalty card and the credit card. I asked the manager to phone customer care straight away so that I could have the inquiry removed from my report. They said that within 90 days the inquiry would be removed. On XXXX/XXXX/16, I received a letter stating that my application was declined because of income-THIS IS BECAUSE I DID N'T COMPLETE THE APPLICATION WITH ANY INCOME LISTED! I had no idea that I was applying for credit at all.

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 2016-02-04
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

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 2023-01-27
Company: RFNA, LP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Republic finance sent me a loan before school started in the mail. I did not apply for a loan and I was not looking for a loan. Due to how hard it is to pay for school I took the loan. Due to school I am not able to make payments. Most school loans allow you to make payments after you graduate and make a better income. I feel this company was predatory. I make between XXXX to XXXX a year but, I barely work because I need my grades to be high in order to graduate on time.I attempted to make a low payment online but am not able to. Now they plan to take me to court even though I could make smaller payments like {$25.00} a month or they could wait until I graduate like most actual student loans that students acquire do. This was predatory lending because they know I am in school and have a hard time and may not be able to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email from Pay Pal about a request for money payment of XXXX. 
I did not request this transaction so notified Pay Pal but could not get any response or help to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.

Company response to consumer: Closed with non-monetary relief