BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been with this bank for 20 years and have had maybe one fraud case before. I was locked out of my account recently and waited and waited for close to an hour without getting anyone to get back in so I hung up. About 3 days later, my regions card was declined, which is odd, since I have over XXXX put into my account a month. I finally got into my account and found I was hacked with charges from back in XXXX for around {$3000.00}. I went to the bank and put in a claim, since I had no idea of the vendor and wanted to dispute. I put in the claim on Monday and received a small credit of about XXXX that included fees. I went to the mailbox today and received 4 pages of explanations of why they denied the claims. Now, these are some of the SAME VENDORS THAT THEY PAID EARLIER. I get an explanation of VERIFIED WITH CARD CREDENTIALS, which is false. Not one person called me, and some of the same vendors they credited my account back for and stated the items were paid and the claim was valid. The claim number is XXXX and XXXX. I am not one that sits there and looks at my account, since I put so much money in a month, but wouldn't the bank think it's odd that I was XXXX and NEVER contact me? This is BAD BUSINESS to not even investigate. It also states on the denial that NO REPORT OF CARD, THEFT OR COMPROMISE. These items are ALL online!!! I AM LIVID and BAD BUSINESS, not to mention the close to XXXX they made on me on OD Charges!!

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 2021-04-16
Company: Incomm Holdings Inc.
State: KS
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:
In late XXXX  XX/XX/XXXX I purchased a Vanilla Visa gift card from my local XXXX to use to order XXXX  gifts from XXXX. I put {$150.00} on the card. I had no problems with my XXXX order, but in early XX/XX/XXXX decided I was going to spend the remaining balance, {$73.00} at the XXXX where I had purchased the card. The card was declined at XXXX, and my first assumption was that I had used the wrong pin #. I called the phone # for cust. service, XXXX and followed the steps to clear out my original pin #. I attempted to use the card at XXXX again, and again it was declined. I called customer service again on XX/XX/XXXX and this time spoke to a live person named XXXX. I told her of my situation and she explained that she would have to cancel my old card and send me a new one, which I would receive within 30 business days. I called back on XX/XX/XXXX and spoke with her again and she told me that the 30 business days would actually end on XX/XX/XXXX. XX/XX/XXXX arrived and I still had not received the new card so I called again and reached another person named, I believe, XXXX. She started giving me some excuses, and by this time I was starting to lose my patience with this company so I cut her off and told her that I was done with this company and would no longer be interested in a replacement card, that I wanted a refund check for the {$73.00} mailed to me. She put me on hold for a couple of minutes and came back to tell me she hadn't actually spoken with anyone but had put in a request for a refund check to be sent to me. She said I should receive the check within 10 business days, which by my calculation, allowing for XXXX XXXX  would have been yesterday XX/XX/XXXX. I checked my mailbox today and, more than 8 weeks after my original phone call, I still have not seen either a replacement card nor a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
We have a few store cards through MySynchrony consumer cards. We have Old navy and we have Rooms To Go. 

We recently started receiving notifications for Amazon Cardholder Services. We've never applied or used an Amazon card. I called MySynchrony and they told me that I need to contact Amazon and then Amazon told me to contact the bank. Both said they weren't responsible for telling me the issue even though Amazon hires MS for their store card. 

They simply said it's " an error '' but refused to explain further. How would MySynchrony send me Amazon card notifications for a card I don't own or use or never applied for? It seems that they may have leaked my data to Amazon. I think that MS doesn't have the appropriate security measures in place to protect my information from bleeding over to other companies they serve. I would like an investigation and reparations for wrongdoing. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
Experian has been falsely reporting information on my credit report that has impacted my score and credit report. 
The following collection accounts listed below have been furnished on my credit report a totalling a balance owed collectively {$1400.00} The companies are : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$280.00} XXXX {$520.00} At no time was written consent provided to Experian or the debt collectors to furnish the information on my credit report. Without my WRITTEN CONSENT the accounts are considered frauduent under the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2023-02-23
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-08-07
Company: ONE REVERSE MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, One Reverse Mortgage LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX gave my sister a reverse mortgage of {$30000.00} on the family home that I owned. I had given my sister a life estate in XXXX and allowed her to occupy the property until her death because she had no place to live. The life estate provision was spelled out in the 1st paragraph of the Deed. Upon my sister 's death in XX/XX/XXXX, I discovered that she had obtained the reverse mortgage without my consent. As per HUD 's LIFE ESTATE PROVISIONS rule from HUD XXXX related to XXXX, if an eligible mortgagor holds only a life estate when the mortgage is executed, all holders of any future interest in the property ( remainder or reversion ) will also be required to execute the mortgage to ensure that the mortgage is secured by a fee simple interest. My understanding of the HUD requirement is that she SHOULD NOT have been permitted to obtain a loan without my signature or consent and that I should have participated in the counseling process, neither of which occurred. Therefore, this loan was made illegally. The loan was transferred to XXXX XXXXXXXX XXXX XXXX, and I had to pay them over {$20000.00} to reclaim my property as my sister had become ill before she passed and had not paid the homeowners insurance which caused the house to head to foreclosure which I discovered when I attempted to transfer the house back into my name. Per XXXX, the original lender is no longer in business and was acquired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was unable to discuss the loan with anyone at XXXX XXXX XXXX  because my niece ( my sister 's daughter ) was the administrator of her estate. However, the company did accept the funds I sent to get the house back and released the lien. It's my belief, that I should not have been liable for paying back a loan that was illegally made. I had to get a personal loan to pay the balance due and recently did a quick sale on the house to get money to pay back the personal loan. I contacted FHA about this issue to clarify my understanding of HUD XXXX but kept getting bounced around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: TX
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:
I CAN NOT believe that EQUIFAX is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXX/XX/XXXX/Equifax XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

XXXX  lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
The child support got removed from all other credit bureaus and they said I was late on payments when I'm not even on child support they did it after disputed it I want to use 15 U.S. Code 1681b - Permissible purposes of consumer reports and also it says 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, 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 : It 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 non-monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: IA
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:
Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To Whom It May Concern : I am formally submitting my complaints to Navient about my Plus loan service. 
The following is my account history. 

1. There were four Plus loans in four years, starting in the year XX/XX/XXXX to the yearXX/XX/XXXX. 
2. Starting from the year XX/XX/XXXX, I consolidated the loans every year. So there were 3 consolidation. It became a big loan after 4 years because the consolidations. 
3. I started paying back the loan in the year XX/XX/XXXX, even during the years of loan consolidation. 
4. After XX/XX/XXXX, I had forbearance for the next three years. 
5. I started paying the loan after the forbearance until recently when I started to audit this loan account and put this account in dispute. 
The big issue I have is after paying the loan for 16 years, not including the forbearance period, I currently still owe more money than all the money I borrowed. This caused me to put my attention to the details of this account. I requested Navient to provide me with all the original loan and consolidation documents, complete payment history, and the answers to the following questions : 1. I believed I started to submit my payments in the year XX/XX/XXXX. However, I did not see any payment record before the year XX/XX/XXXX. Could you please provide those missing records? 
2. When I first applied the Plus loan, I was told the complete payback time was 10 years. I did not see anything like that mentioned on the promissory notes. 
Could you point out on the notes that stated otherwise? How was my Plus loan scheduled for repayment? 
3. I submitted the payment every month for 16 years. For each payment, what was the percentage allocated to principle and what was the percentage allocated to interest? Where were these percentage specified on the note details? 
4. Navient stated this loan was a simple interest loan that was compound daily. Could you please point out where on the notes I signed indicated this type of interest compounding method? 
5. I also requested a copy of each promissory note that is COMPLETE and CLEAR so I can read the details of the promissory note. However, they were not provided. 

After more than three months, Navient still has not provided answers to any of the above questions I asked. My investigation and audit of my Plus loan account could not continue. 
This is the reason I submit my complaints to you and sincerely hope you can step in to help my investigation and audit of the account. 

Another thing I noticed interesting is that, during the three-year period of forbearance, no one told me I could pay back the loan using something like income-based payment plan. 
In those three years, my spouse still worked. I could have benefited from this type of payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan, during XXXX I took a extension on my loans because of covid and I understood to extend my loan six months. My loans was extended 9 months instead because when I started paying loans again they took several payments and just applied to interest. I send them a worksheet showing them thr overcharge and I told I was wrong. And now I'm still paying interest. I'm worried that they will hurt my credit because I'm going over the time of my loan.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please see the article from XXXX XXXX : XXXX  : XXXX Experian has had critical security flaws in their account creation process for years now and has done nothing to fix it. With basic, publicly available information and some personal info, it's extremely easy for someone to commandeer an Experian account.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
My loan matured XX/XX/2023. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

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 2023-12-13
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax on XX/XX/23 and in less than 24 hours Equifax says the investigation was complete. Equifax if setting it up so that they can say that they investigated my dispute and deem any follow up dispute frivolous and so that they don't have to investigate it.

Company response to consumer: Closed with explanation