BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XX/XX/2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on Experian -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for TransUnion, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

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 2015-04-17
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account been frozen with Venmo since XX/XX/2020 Ive been trying get my funds there no help My Name is XXXX XXXX my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a settlement agreement with CREDIT CORP SOLUTIONS that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
The entire banking system is majorly flawed in it's design and how it uses credit scores. 
I have a low credit score with XXXX marks on my credit besides credit utilization. 
I am trying to pay off my credit card debt which accumulated when I was out of a job. I've already paid close to my total bill just in interest and there's no way out as the overwhelming majority of your payment goes to the interest. I tried to get XXXXapr balance transfer promotional credit cards so I can actually pay down the debt but a high credit utilization makes your credit score go down and no bank will approve with such a low credit score. 
In short banks will give you as much money as you want as long as you can prove you absolutely don't need it. The system of just looking at credit scores is broken. If they'd look at my history they'd see I've never missed a payment in my life although I'm starting to think maybe I should. 

Attached is yet another declined XXXXapr credit card application ( this one from capital one ) that says we'll send you a letter that will come in 10 days and say the same vague statement that at this time we can't approve you blah blah blah blah blah blah blah blah blah blah blah. 
Then when you call them you get the same answer that they can just enter into the system and basically they can't do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

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 2015-10-17
Company: SYNCHRONY FINANCIAL
State: VT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I will always say the truth and nothing but the truth. I have had capital one bank account since XXXX. I joined the United States XXXX in XXXX and the account was fine for a while. All of a jsudden my balance falls below XXXX. It's XXXX. I contact capital one several times to inquire why my balance is below. I had about {$200.00} in the account because I was just starting to build the account. They refused to tell me what was going on for a long time. Finally sometime in XXXX almost XXXX they told me it was because fraudulent check or a fake check was deposited into the account. The check bounced and whomever did it removed XXXX dollars before the check can bounce. I told them why is it that it took it a very long time to yell me this. My account had been restricted ever since. They told me I have to pay the XXXX but I told them I know nothing about the crime therefore I can not pay for something I didn't do. I would like my account to be fixed and restored so I can use it. I really enjoyed the convience it have while I was using it for the short period of time I had it and I also have a credit line with them. They have also refused to give me my military benefitsXXXX I would like them to implement that on my eligible accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Crown Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is a bill owed for {$230.00}. Day Knight & Associates are attempting to collect the debt, however they are charging interest and treating to have the client file suit against me and have me to pay for court costs and fees. The interest thus far is {$10.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
I was online reviewing product on Ashley Furniture I wanted to Finances the product they inform me that I can not Finance for order on line and I can not apply for Ashley Furniture XXXX Card because I not in the purchasing their product. What is their not Ashley Furniture in your city the store in XXXX sell their product but not a Ashley Furniture XXXX so is it fare to say to customer that do not have Ashley Furniture XXXX near them the can not apply for credit Card or Finance the Furniture everyone should have the same opportunity as those customer that have a Ashley Furniture XXXX in the State or Neighborhood. Please investigate Ashley Furniture Product and Service are legal and not violating all customer rights and they working the business according to United States Federal RegulationsIt 's the card that suits your style & budgetWe designed this card so you can enjoy everything Ashley Furniture XXXX has to offer, plus these benefits : Special financing availableQuick approvalConvenient payment options24/7 account accessSecure online payments & ebill statementsNo annual feeMoney-saving coupons & exclusive offersFor in-store purchases only ; card can not be used for online purchases. 
Subject to credit approval. 
Apply & use the card at these XXXX for the Ashley XXXX XXXX in store or online. Visit the nearest XXXX and a Sales Associate will happily guide you through the application process. 
Apply today for the new Ashley XXXX XXXX. 
It 's the fast and easy way to bring home the # XXXX Name in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The dates are XXXX. When I attempt purchases the card declines. I also attempted to transfer funds and it was delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Spoke to XXXX  from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.

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 2022-08-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars. 

Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account. 

It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up. 

The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call. 

The attached pictures are the only information I have of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: VA
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  and Experian has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2020-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I paid off the remainder of my debt and received a letter from the company stating they would accurately report and remove the debt off of my credit report. I have contacted experian numerous times and also the debt collector. No one is taking it off my report even though I paid and got a letter stating promise to do it.

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 2021-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Can someone tell this fraudulent bank that they can not acknowledge then un acknowledge the fraud on my account all of these letters came but no card now wen I finally get my card Im being denied the claims that were approved im confused then they appr Ve XXXX took it from me then they try to say something about a chip for one claim then the next try to say it had been pass so many days must I remind they froze my account until 2021 then started sending me out approval letters letters I ordered my card no card came still they gave me the run around until an angel told me they would make Sure it was done and fixed now this we have been going back and forth for a while now about my account but they are making up anything not to pay out my account and has been making errors as well as stealing funds from me and denying me what Im owed for their lack of protection and buisness profession

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 2020-04-11
Company: Dyck-O'Neal, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I purchased a computer through an affiliate company with my former employer, by the name of XXXX XXXX. My bi-weekly payments to XXXX XXXX for the computer were made via auto-draft payroll deductions. 

The computer was paid in full prior to my resignation from my former employer in XXXX. In fact, to ensure that there was no outstanding balance owed to XXXX XXXX, prior to my departure, the outstanding balance for the computer was deducted from my final paycheck. 

XXXX XXXX reported to a debt collection agency by the name of Dyck O'Neal that I have an outstanding balance of {$XXXX}. This is false. I made attempts to speak with someone at XXXX XXXX about the billing error but to no avail. I also disputed the charges with the collection agency but to no avail. This error has been reported to XXXX   and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from XXXX or Transunion 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 2017-02-23
Company: Atlas Credit Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan and because I got my due date confused I was charged late fees. I an accept that but, in XXXX I made a payment of XXXX and my monthly payments are XXXX so I was paying part of the late fees but not all. When the payment was applied it was applied towards part of the late fees first causing me to be late again and adding more late fees on the account. I believe the payment should have been applied towards principle and interest first then the late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation