BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: NY
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 had a  XXXX    XXXX   credit card in which I also purchased insurance for back  XXXX   XXXX . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in  XXXX  which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had  a 30 30 60 90 late p ayment in  XXXX  after 6 months in which I was no longer responsible for the bi ll. Two t hings are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?! 

Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
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:
My XXXX XXXX XXXX XXXX and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX 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 : also states a consumer reporting agency can not furnish a 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 2015-05-13
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: PNC Bank N.A.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XX/XX/XXXX  , I  borrowed  XXXX  from  XXXX   XXXX  to pay for my  XXXX . I began to pay back in the lat e  XX/XX/XXXX . A lthough I had periods of deferment and forbearance due to unemployment,   caring for my  child  an   d elderly parents, I s till have paid over 50K to  XXXX   XXXX   XXXX  Navient. Although I made payments to  XXXX   XXXX  before   XX/XX/XXXX ,   Navient reports that they do n't have records prior to   XX/XX/XXXX .      I also worked at   XXXX   XXXX   from  XX/XX/XXXX   through  XX/XX/XXXX   with a period of  XXXX  leave. I worked for    XXXX   XXXX   a nd  XXXX   XXXX   XXXX .     I would like to settle my balance but  Navient  insists that I still owe 41K+.   As I 've pointed out to Navient, I 'm  XXXX   years  old. This loan is most likely to outlive me yet they refuse to speak to me about a reasonable pay off. Additionally, I 'm paying for my own child 's tuition. I very much want to be done with this nemesis but the Navient reported balance strikes me as nothing more than usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was informed my Amazon that I would have 1 year from the purchases to not accrue interest on my account with the purchases that bought. When I came home today I found out that Synchrony does not agree with this. Amazon is informing customers of this and it is against the SEC and FCC as well. I have tried to talk with MGR  XXXX  in Kanasas operator  XXXX  and is quite condescending and rude. I asked him if he was a robot then tried to belittle me or berate me. I have been with Amazon for a very long time and I am saddened to say that they are misleading and liars. I would like them reviewed as well as Synchrony Bank on this issue. It seems that they are more than happy to get you in the door but when it comes to actually servicing you, you are kicked to the way side. I tried to get it resolved and informed them I would be filing a CFPB complaint and going forward from there.

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 2017-05-14
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Upon submitting credit card application with Capital One after I was pre-approved on XX/XX/2021. On that day, I received an email from Capital One requesting me to upload documentation of verification of myself without processing the application on file. Due to Capital One failed to process my application that day, therefore I call them and requested them to disregard my application due to failure to process my application and for them to remove the hard inquiry on my credit report. Capital One failed to do so that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my credit report and it shows that I have an account with XXXX XXXX, with a balance of over {$20000.00} and that I have n't paid in over 6 months. I immediately sent XXXX a certified letter " requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. '' XXXX received the letter and signed for it on XXXX XXXX, 2016. They did not respond with in the 30 days allowed. I sent them another letter ( which was received and signed for on XXXX XXXX ) informing them that they violated federal law and they did not send me any evidence bearing my signature. As of today, they have not sent me any evidence, with my signature, that the account legitimately belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,

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 2021-12-29
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR 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 2016-05-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I change my name, as far everything was working for the good, then in XXXX XXXX finding out that someone wanted to a get house loan or personal for XXXX loan. At XXXX XXXX I login in to XXXX account fount out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit reports and found out there was discrepancy on all three credit bureau so I was directed to the Federal Trade commission with this problems, They help me in a big way, I only had problems with XXXX credit Bureau, Everything was taken off in the credit report, that was supposed to including XXXX account associated with my old name XXXX XXXX XXXX which are in good standing, the only XXXX associated with my new name with 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 explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, Ca n't reach any companies by these names.Do n't know if these accounts are mine. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Sunday XX/XX/XXXX at approximately XXXX XXXX Pacific I attempted to make a deposit for an online betting services called XXXX XXXX using my Capital One Venture credit card ending in XXXX. It was declined by Capital One twice. I then called Capital One and was connected with their fraud department. I was informed that the two charges were flagged by their computer as suspicious. After supplying my name, DOB, and Social Security number, I was then required to receive a text message with a numerical code and repeat it over the phone, which I did. The Fraud Representative then reviewed the charges their computer flagged as questionable, which I did, and confirmed that they were valid despite the fact the representative misstated the time they had been tried ( for XXXX XXXX that XXXX?!?!? ). She informed me that she had cleared the blocked charges and it was OK to resubmit my purchase/deposit with XXXX XXXX. I went ahead and did so, and the Capital One computer decided instead of approving the charges to freeze my account and declare it compromised. She never informed me that this site was considered suspicious by their computer algorithm and that No charges would ever be approved for that site, nor that there was a risk that my card would be frozen. I explained to her that this was terribly inconvenient and would incur substantial loss of time and possible financial penalties as I have several recurring payments set up that would take me a great deal of time and trouble to replicate, especially as some of them may be due in the next few days. She insisted that they would have to send me a new card. I said this was not OK, and she just kept repeating herself. I politely asked to speak with a supervisor and/or explore other options, and she said there was no other option, and that there was no supervisor available to speak with me because it was the weekend. I insisted that she explore alternative options which after several go arounds she agreed to do. She put me on hold, and then the line went dead.

Company response to consumer: Closed with explanation