BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
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: Account status incorrect

Complaint:
I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX   XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 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 2022-08-08
Company: Experian Information Solutions Inc.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  Account name : XXXX XXXX XXXX Account # : 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 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.

15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.

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 2021-05-02
Company: EQUIFAX, INC.
State: DC
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:
I did not consent to authorize nor benefit from any of the following inquiries. 1. XXXX - XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX 6. XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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. I have contacted the FTC and local police department.

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 2017-06-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint filed against  XXXX   XXXX  relative a defective mattress delivered  XXXX    XXXX   with no communication or follow up from the store to resolve the issue.     The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and  XXXX  are  two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account.  XXXX  is responsible for handling matters related to sales, merchandise processing, returns and shipping.  XXXX  informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution.     Since this response and closure of the complaint,  XXXX  still has not made any attempt to resolve the issue. A refund should be granted.      XXXX  also lied and stated no communication was ever received but clearly there were  XXXX  separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, On XX/XX/19 I ordered a sofa sectional and ottoman from Ashley Furniture. I financed it through their credit card ( supposedly Synchrony Bank ) and after 6 months, my transaction is still pending and I have not been billed for it. After I applied for their card, I never received an email or anything by U.S. mail stating how much the monthly payments would be or for how many months it may take to fully pay the bill. The only thing I ever received was the credit card itself in the mail. The status of my order is still " pending '' and each time I call the number on the back of the credit card ( -customer service- ) the person who answers says it is going to be billed for sure at the end of the month and the bill will be due at the end of the following month. I have called each month since XX/XX/XXXX and each time the person I speak with says the same thing about each month. When I called in XX/XX/XXXX, they said it would come in the mail at the end of XX/XX/XXXX and it would be due toward the end of XX/XX/XXXX, and when I called in XX/XX/XXXX they said it would be due toward the end of XX/XX/XXXX, etc. When I expressed my concern for the bill at the end of 12 months to the customer service representative, he assured me that I would not wind up with ONE huge bill after 12 months with interest. He said " You will have equal payments once the first one posts to your account. '' This is extremely frustrating and I will never finance furniture again nor use those two companies. I want to know what my payments will be and when I will receive the first one. I am a XXXX and have used at least 8-9 lunch periods on hold waiting for the answer to this simple request. Please look into this for me. How long do I have to wait with the account " pending '' until I am no longer required to pay? Thank you

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 2017-06-12
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL
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:
My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12
Company: BBVA FINANCIAL CORPORATION
State: AZ
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   XXXX  ,2017 30  days late amount {$100.00}  Compass BK Auto l oan

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 2018-06-05
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My complaint stems from not being notified about a promo interest rate period ending. I had a 0 % promo interest rate period on a Savor Credit Card from Capital One. The promo interest period ended, and my expectation was to receive a notification, either via phone, email, or letter, that the period was ending. A notification was not received and I was charged interest for a month and a half until a balance transfer was completed.

The proposed change is that credit card companies should have to provide notification of an ending promotional interest period, to bring to the attention of customers the coming rate change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed an account with XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone XXXX They did not remove this account from my report and my social security number was compromised and used to open accounts in my name without my knowledge and permission. I became aware of this in XX/XX/2019 and I have been fighting this ever since. They refused to remove this fraudulent account that has nothing to do with me. 

I want it removed immediately because it is not my account and it is preventing me from getting a legitimate mortgage because it is negatively impacting my credit score.

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 2017-04-10
Company: HONOR FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: NY
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:
My parents received a call regarding purchases for a credit card they don't have. It was listed as a call from Synchrony Bank. The message said there was a purchase in excess of {$800.00} made in XXXX, Texas. My parents live in XXXX XXXX XXXX. The number shown was XXXX. I didn't call that number, just in case. I looked up the bank 's number online. The first number given, ( ( XXXX XXXX XXXX, ) turned out to be for a medical equipment company. I tried another number ( XXXX, ) and got the bank. I refused to give them social security numbers, but did oblige with my parent 's phone number, as it is not blocked. The " agent '' stated that the phone number did not correspond with any of their accounts. He told me to disregard it. I'm not sure if that is wise, because others might fall prey to this scam. This happened on Thursday, XX/XX/2020, at approximately 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 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
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 the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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.

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 2020-02-27
Company: Credit Adjustments Inc
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was filing my taxes in XXXX of 2019 and my refund was taken by the US Dep of education. I called and they said Credit Adjustments, inc had taken the debt. I was unaware I had debt with them as the account is closed on my credit report. I called Credit Adjustments inc and tried to set up a payment plan. I told them I could not pay a lot but I would pay something every month. They asked if I was married and I said yes. They asked for his paystubs and tax info from the last year as well. I refused to give them my husband 's info it was not his debt. The total debt was {$15000.00}. He is not in the home he is deployed with the military he has no part in paying it with his income it would have been {$400.00} a month and I barely make {$100.00} a week if I can work with other personal bills. I was thrown in a panic. They then said I qualified for a {$5.00} a month plan after I refused and I have been paying that. I then found out they called my husband with out my consent I believe XX/XX/XXXX and when they did they did not say who they were or that the phonecall was being recorded. They just asked him how I make money and how much. He refused to answer because he didn't know who they were. He looked at the number and it was Credit Adjustments , inc . It has been a few months and they are calling me again. I called them back for them to tell me they had no one able to talk to me and I haven't heard from them since. I feel like their practices are unethical and I am honestly not even sure if I owe this debt! I pay for another college loan that is private and this one seems odd. Their behavior is aggressive for someone that agreed to pay and is being compliant.

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