BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I tried to access my account so I could pay off my credit card balance. 

I was not allowed to login to the account. 

The website allows " guest login '' for the exclusive purpose of JUST PAYING the account balance. It won't allow me to do that so I am effectively blocked from paying my account which I am eager to pay so that my credit history will not be damaged. 

If Syncrony Bank does not want me as a customer that is perfectly fine, but at least they should let me pay my outstanding balance.

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 2022-07-15
Company: EQUIFAX, 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:
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 XXXX 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 XXXX 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 XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Was not notified of investigation status or results

Complaint:
Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile.

these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. TransUnion, XXXX, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police

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 2017-09-06
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?

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 2017-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My initial complaint XXXX named XXXX XXXX XXXX and XXXX as subservicer ( account XXXX ) in this matter. It turns out that XXXX  ( account XXXX ) was responsible for the shady practice of reporting my payment late when it was, in fact, timely and discrepant. XXXX  sold my mortgage loan to XXXX immediately following this shady report. 

XXXX followed up only to implicate XXXX and told me they could not resolve the issue. 

All the detail I provided in the initial complaint then, would directly apply to XXXX  as the company at fault for incorrectly reporting. 

I am not sure it is true that XXXX can not correct this? 

If true that the complaint must be shifted to XXXX  in order to get it resolved, would you please be kind enough to re-process the complaint noting this update? 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Frost-Arnett Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I received a collection letter from Frost-Arnett in an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$100.00}. They provided reference number XXXX. Upon research with XXXX my insurance company, I agreed that I do owe the provider {$100.00}, but never received an invoice from XXXX XXXX, so I decided to pay. I entered the Frost-Arnett payment portal as a guest and authorized {$100.00} to be paid from my credit cared ending in XXXX. However, I received immediate notice that they in fact charged me {$110.00}. Upon research they state in the terms and conditions that they may change a convenience fee but stated they would tell you that amount before you submit. That did not happen and this is quite deceptive. I'd like the {$6.00} fee returned to me as I would have just mailed a check to avoid the fee had they disclosed that amount upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or about 4 weeks ago PayPal suspended my two business accounts, one under XXXX XXXX, the other under XXXX XXXX XXXX With no notice or opportunity to correct anything, they just froze my accounts and I can not send money receive money, conduct my web business or anything. I have had customer complaints and have had to try to do work-around in order to stay in business. Covid has hit us hard as well and to have this on top of our financial challenges is rough. I have tried to get a XXXX on the phone to resolve the situation with no success. I can not get a detailed explanation of what policies I am not in compliance with. They have around {$5000.00} tied up for 6 months because they say that is their policy. We sell XXXX   XXXX  and XXXX XXXX  with XXXX XXXX and we sell XXXX  XXXX  products with XXXX XXXX XXXX All our products are legal. We do not make any excessive medical claims. I would be happy if PayPal would just close my two accounts, send our money to us and we will find another merchant banking solution. Would you please help us resolve this as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
These people are literally harassing me. Theybsent me a loan throughout the mail which i deposited. Because of XXXX the payments didnt start until XXXX, which is when i dtarted my new job AND moved into my new apartment. I needed the extra funds to help with both. Ive never qualified for any rental assistance program so i had to utilize what i had available. Because they deferred all payment until XXXXXXXX XXXX of covid my {$300.00} loan turned into a {$900.00} balance. I did not find this out until i went online to create my account profile to make my payments. I realized quickly i got screwed but i was managing so much that i really didnt have time to complain. These people started calling me EVERYDAY!!! i have never spoken to them at all regarding my account because i literally work XXXX freaking jobs. I work from XXXX monday-Saturday to pay my rent, other bills, and pay of this dang loan!!! I literally pay between $ XXXX at least every other week..even on days i make a payment THEY STILL CALL ME!!! The latest was at XXXX literally!!! Ive gotten the {$900.00} balance down to less than {$400.00} and they still call me EVERY DAY!!! IF I LOSE MY JOB FOR THEM CALLING AND LEAVING ME MESSAGES ALL DAY I AM SUING THEM DIRECTLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help 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 2017-09-06
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CFS2 Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has called my job where I work in a call center. So any of my coworkers can get the call and they are trying to track me down. The problem with this they number they are calling for my job they are not supposed to call that number because they number is for internal use only. When I explained that to XXXX he continued to talk over me in a very rude and condescending manner. He basically told me it 's their job to track me down and they have a right to call my job if they can not reach me on my personal number. I asked him to stop calling my job and to take my jobs number out of their system. He would not provide me proof of this and continued to be condescending to me. They can cause me to lose my if they do n't stop calling my job. It is adding stress to me that I do n't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help 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 2017-09-06
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: Information belongs to someone else

Complaint:
I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was a victim of indentity theft in XXXX of 2017. Someone has made several attempts to obtain credit in my name. I reported this to Transunion and they refuse to assist me in getting these hard inquires removed from my credit report and it is effecting me negatively as I am in the process of trying to buy my 1st home.

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 2022-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I really don't know where to start... but here goes on XX/XX/2022 I opened a savings account with Citizens Bank represented by account # XXXX. The funds to fund the account was to come from XXXX By XXXX XXXX, but I was having a hard time linking the external bank, I kept getting error messages. I then decided to close the account because of all the problems linking. I closed the savings account but for some reason Citizens Bank was able to start the ACH transfer, I do not know how because I never was able verify and link Citizens Bank, they must have used the information from my application to start the money movement. 
When the funds arrive from XXXX, no open savings account number with Citizens Bank, they are telling me they sent the funds back on XX/XX/2022 sender trace # XXXX and receiver trace # XXXX. I waited until XX/XX/2022 to start checking account with XXXX to see if the funds arrived..nothing and today is XX/XX/2022 no {$15000.00}. I also provided the above numbers to XXXX, they are telling me they can not find anything you must go back to Citizens Bank they are the ones that asked for the funds ( {$15000.00} ). My conversations with XXXX, they want nothing to do with this..Citizens Bank has to find your money, nice. 
I am wondering if some type of fraud may have taken place?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

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