BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my Experian Credit Report. At the same time I reported the dispute to Experian. Experian notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with Experian. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.

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 2018-08-30
Company: DISCOVER BANK
State: TN
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:
I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: SC
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX  through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
There was fraudulent activity on my XXXX account that occurred late in XX/XX/2019. The 5 charges that went through were : POSTED TRANSACTIONS REWARDS VIEW ALL XX/XX/2019 XXXX XXXX {$1.00} Additional details for transaction on XX/XX/2019 titled XXXX for amount XXXX XX/XX/2019 XXXX # XXXX XXXX {$4.00} Additional details for transaction on XX/XX/2019 titled XXXX # XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX XXXX XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX {$20.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX # XXXX XXXX {$260.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX # XXXX for amount XXXX For a total of {$310.00}. I did not make any of these transactions. I contacted XXXX and informed them of what had happened. I destroyed my credit card after I used the card to finance my XXXX XXXX from XXXX which was nearly 2 years ago.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX ( Phone and Internet company ) Experian ( Credit Reporting company ) XXXX : XX/XX/2023 I closed a XXXX account. Upon closing the account I had a Credit of {$50.00}. 

XX/XX/2023 I used the Credit of {$50.00} towards a XXXX XXXX account as that was the option given to me by a representative XXXX. 

XXXX - Present I have been notified that the Closed Account has a balance of {$50.00} which I now owe. 
I have spoken to multiple XXXX agents ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) in different departments regarding this. They all apologize for the situation and admitted it's an internal error on their end. They all claim to have resolved my issue even providing me with confirmation numbers and emails. However the problem hasn't been resolved and now the Closed account has been put through collections. 

Experian ( Credit report company ) has notified me of this. There is now a derogatory claim in my report from XXXX for {$50.00}. My credit score has also dramatically dropped because of this situation. 

This is very unfair to me. I did not do anything wrong. XXXX admits the internal error on their end, even apologized for this but they haven't done anything to correct this.

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 2021-12-29
Company: Experian Information Solutions Inc.
State: NY
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/XXXX, I noticed a hard inquiry on my credit report by XXXX XXXX XXXX that was not from my activity. I immediately contacted Experian, through whom, contacted XXXX XXXXXXXX XXXX. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by XXXX XXXX XXXX, again, not from my activity. I once again contacted Experian and filed a dispute. I also talked to XXXX XXXXXXXX XXXX, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but XXXX  XXXX XXXX compared the information and told me that it wasn't the same ) and I'd have to dispute with Experian. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that XXXX  XXXX XXXX confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.

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 2021-12-29
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with PHH/XXXX  and because of covid I have been on a forbearance plan for well over a year ( XXXX XXXX XXXX and XXXX for supplemental retirement income and could n't drive because of covid ). For at least the last XXXX months PHHXXXX has asked me for documentation concerning my hardship. During this time it has been an exercise in frustration. I have talked to several of their agents. They have requested much documentation which I can understand but there is a lack of communication amongst their employees. I don't know if they're losing some docs or what. I have been asked XXXX for a mortgage assistance application ( sent XX/XX/2021 and XX/XX/2021 ) and have been asked XXXX for bank statements the last of which I have sent XX/XX/2021. I was asked to send a hardship letter which I sent XX/XX/2021. One agent will tell me one thing and another will tell me something else. On XX/XX/2021 I talked to XXXX ID # XXXX. He admitted that PHH/XXXX could be giving me wrong information. I then asked to speak to a supervisor and spoke with Classia ID # XXXX. He told me to just wait for a deferment. Then on XX/XX/2021 PHH/XXXX called and asked for XXXX  years tax returns, and AGAIN XXXX most recent bank statements and a business profit and loss statement all of which I sent onXXXX. To add to all this PHH/XXXX  sent a letter to my home insurance agency XXXX XXXX saying that my property/house is vacant. PHHXXXX had to send a letter of retraction to XXXX XXXX stating that they made an error ( sent XX/XX/2021 ). To me all this shows incomitance and lack of communication between PHH and XXXX mortgage. I have sent everything they have asked of me and still no resolve They are now telling me that I have to start the process all over again because it's been over a month and I didn't sign some docs ( they didn't inform me of this and in the letter they sent me there was no mention of missing signatures ). This will mean that for the third time I have to send all documentation AGAIN. Hoping you all can help me in this matter. P.S. - I have also filed a complaint with the 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 2023-09-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-03
Company: Affirm Holdings, Inc
State: WI
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:
Affirm account number XXXX is reporting late payments, XX/XX/2023 which is in violation of my federal rights. 

15 U.S. Code 1666b - Timing of payments.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been sent to Genesis collections for a apartment rental debt I don't owe. Below is the breakdown of information tied to the complaint. 

Rental Company : XXXX, XXXX XXXX XXXX XXXX WA XXXX duration : XX/XX/XXXX - XX/XX/XXXX Received written//mailed notice of bill : XX/XX/XXXX ( 6 months post move out ) Bill amount : {$340.00} XX/XX/XXXX - I reached out to XXXX to inform them that this was breaking Washington 's RCW 59.18.280 : " ( 1 ) Within twenty-one days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in RCW 59.18.310, within twenty-one days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 
( a ) No portion of any deposit shall be withheld on account of wear resulting from ordinary use of the premises. 
( b ) The landlord complies with this section if the required statement or payment, or both, are delivered to the tenant personally or deposited in the United States mail properly addressed to the tenant 's last known address with first-class postage prepaid within the twenty-one days. '' Section 49 of the Signed Lease : 49. DEPOSIT RETURN, SURRENDER, AND ABANDONMENT.

Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this Lease Contract. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated, and you surrender the apartment, or 21 days or as amended by Washington state law after we learn of your abandonment. We reserve the right to amend the charges listed due to later-discovered damages, or if only an estimate was available during the 21 day or as amended by Washington state law period and the actual amount differs from the estimated charges On XX/XX/XXXX - XXXX received an email from a XXXX employee : " Thank you for your patience! We will be reversing all charges and refunding your deposit in full. Please confirm one additional time the correct mailing address? '' On XX/XX/XXXX - XXXX received a notice from Columbia Debt Recovery LLC dba Genesis, stating that I owe {$340.00} to XXXX. This is the same debt XXXX reversed all charges and refunded the deposit on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Avant Holding Company, Inc.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Avant is doing it again! XXXX withdrew {$1100.00} on XXXX without my authorization or permission. XXXX was authorized to charge the minimum payment not take out statement balance. I called asked for refund and they said it would take 3 weeks and I asked to have it returned immediately back into my account and asked to speak to a manager or supervisor. I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have emailed Navient over XXXX times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and XXXX that ignores 2 important points. There was an additional point but I know Navient will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because Navient is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW Navient contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) Navient ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-29
Company: CITIBANK, N.A.
State: IN
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:
On XX/XX/2021, I had a car repair done at XXXX XXXX and I used my Goodyear Credit Card. I am a XXXX member and I was supposed to get a 10 % credit which XXXX had been giving me for the last year I had been getting my car repaired there. I neglected to get my credit when I paid my bill and I went back and asked them to credit my account and they refused saying that they decided not to be a XXXX member any more. They are still listed on the XXXX website as a XXXX garage. 

I being a member of XXXX am supposed to get a 10 % discount at a XXXX garage. XXXX XXXX where I had the work done is located at XXXX XXXX XXXX, XXXX, Indiana XXXX is listed on the XXXX website as a XXXX garage. XXXX XXXX has an agreement with XXXX to give XXXX members a 10 % discount. 

I contacted XXXX XXXX at XXXX who deals with XXXX garages and she told me that they had not told her that they do not want to be a XXXX garage any more and they still have them listed on their website as a XXXX garage. 

I called Goodyear Credit Card and filed a complaint. They sent me a letter on XX/XX/2021 saying that they would conduct an investigation and at the end of the investigation would be sending me a resolution letter with details on their decision and that I did not have to pay any related interest charges or fees during the investigation. 

I received a letter dated XX/XX/2021 stating that they had received a request for a credit on my account ad and in order to receive the credit to contact the store manager for further processing. That is all the letter said. 

I called Goodyear about the letter dated XX/XX/2021 and they said that the manager had refused to credit my account. 

I do not feel that this was investigated properly if at all and I do not feel like I got a resolution letter stating the details of their investigation. I have a legitmate issue and they are refusing to even look at 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