BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed for unemployment on XXXX. I received the Way2Go card in the mail and activated it towards the end of XX/XX/XXXX. I began using the card in XXXX paying bills, rent, online purchases, ect. The card was new and I already knew my benefit amount so I didn't bother to go online and sign into my XXXX online account. About 4 weeks later I went to ATM to get a little cash and Im noticed the total amount on the receipt was much less than what it should have been. When I got home that evening I accessed the website for the first time to check and determine why the balance was much lower than what it should have been. This is when I saw all the fraudulent XXXX and XXXX charges. So I contacted both merchants and neither one of them offered much help. They just recommended disputing with the bank. So I went through and totaled all the fraudulent charges from these two companies. I then called the Way2Go company to file a fraud claim.When I finally got ahold of a live person after being on hold what seemed liked hours. He started filing my claim, but said there were to many charges and that his computer had crashed. However, he was going to activate my claim and send me a fraud form to fill out and list all the charges. I received all the forms on XX/XX/XXXX, and had faxed back to them on XX/XX/XXXX. I called to follow up a week or so later and was told my claim was denied. When I asked why it was denied I was told that the person I was speaking with that she didn't know the reason only that it was denied. I then had her escalate the claim again and IU went and got police report and faxed that over to them. I called a week later and once agian was told it was denied.. When I asked why I was told because I made other online purchases to other vendors that were similar?? It made no sense to me because almost all of the XXXX charges were made on the same day XX/XX/XXXX, and 5 of the larger charges over {$100.00} were flagged by either way @ go or the merchant because they still show as pending from that day on my statement almost 3 months later. The charges for less than a {$100.00} on that day all seemed to go through. This tells me that these were probably already flagged as fraud. However, the fraud department can not see that on their end. They are only going by the statement and can't see the pending charges on their own website? After this they just kept transfering me around and my calls to them kept dropping and getting disconnected. The last conversation I had with their fraud dept.they still could never give me a valid reason for denial and I was told case was closed and I was basically out of luck..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. BK OF AMER 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 2023-03-13
Company: EQUIFAX, INC.
State: WA
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:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Conn's, Inc.
State: CO
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 have a conns account i am paying monthly on it i was told i did not have a payment due for XX/XX/XXXX and i did not get any calls for XX/XX/XXXX i started getting calls every day iin the beginning of XX/XX/XXXX stating my account was past due i talked to a rep and he told me what i needed to do to call back on the XX/XX/XXXX and make a payment and request for a forgiveness so it would lower my payment and it would bring my account current, So i called back made the payment he stated my account was current the payment was made for XX/XX/XXXX, and XX/XX/XXXX i wouldn't have a payment due until XX/XX/XXXX, ok so a couple days after i was getting harassing calls EVERY DAY EVERY HOUR saying my account was past due, i would tell he rep the same story every time, they always said they fixed it this went on for about two weeks and every time it was fixed but apparently it wasnt so i finally asked to talk with a supervisor i talked to the supervisor and he hung up on me, then i finally got a hold of another one who said he took care of everything and my account is current and they will submit for it to be taken off my credit, That was a month ago and its still showing on my credit as being late but now it says its late 5 month!!!! I have been paying every month on time i have the receipts but cant attach them its not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Auto Credit of Virginia Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company continues to garnishment my wages for interest amount owed after principal has been paid in full and will not give me information about how the interest amount got to the amount that it is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-03-19
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I noticed on my credit report that there are a few bank accounts opened up in my name. I have called these places and they won't help me because I don't have all the information these were opened up in 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 seven 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, I am writing to you because its a nightmare dealing with Fay Servicing XXXX  representatives from the Loss Mitigation Dept.  At the beginning of this year i applied for a loan modification which it took 3 months for someone to return my call, i finally i was able to speak to a representative by the name of XXXX XXXX phone # XXXX XXXX who told me that my application was lost by and i needed to re submit all my documents all over again. 
Which i did i faxed and mailed all my documents lettting them i needed help since my mortgage its adjustable and my payment had increased substantially and we weren't able to afford it. 

The pandemic came and hit us very hard with our financials, as well as our health. XXXX XXXX finally confirmed that she received my documents and to wait a few months for a decision. 

Now after so many months under review, Fay Servicing and XXXX XXXX who is the representative assigned finally answered my messages and told me that because of my Bankruptcy that i filed before the investor of the loan feel that i didn't deserved to keep my home. 

I was shocked and concerned since this is clearly discrimination, i requested for her manager and since almost 1 month ago XXXX XXXX refuses to have her manager return my call. 

Now every time that i call they keep telling me i need authorization in writing my self to speak to my self. which it doesn't make any sense since im the one on the loan. 

Every time i called its a different story and when i request for a manager they hang up on me. 

i don't know what to do to stop this discrimination against me and my family. i do appreciate some help with this matter. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! XXXX should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.

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 2018-10-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 2nd complaint about XXXX. Between XX/XX/2018 and XX/XX/2018 I received 31 recorded calls from half a dozen different phone numbers with caller ID " XXXX. '' This time a recording says something about my alleged XXXX XXXX credit card. I DO NOT have such a card and I DO NOT owe anything on any other card. 

Earlier this year XXXX called me up to 3 times a day with a recorded message about an alleged debt incurred by someone named XXXX XXXX. That is NOT my name and I AM NOT that person. XXXX 's recorded message said to press " XXXX '' if I was not that person. I pressed XXXX several times, but XXXX kept calling. At the time I filed a complaint on the Gov. Do Not Call site. Incredibly, the phone calls stopped after that! Now, after a pause of several months, the calls have resumed. I am being harassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NC
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:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 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 or 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 to any consumer reporting agency of 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 2018-07-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was re evaluated for a loan modification ... 

i was told i still didn't qualify due to my income was low debt high i advise my spouse give me child support and he will help with the mortgage payments i was still told my income was not enough. 

apparently because i do knothole a court order for the cild support and housing support they would not take it into consideration yet i am not legally divorce and my husband is equally responsible for our house hold expenses yet they are refusing to acknowledge his income of XXXX a month. 

i feel they are being unfair on this matter i appealed the denial and was further told this so its okay to not accept income due to it not being court ordered yet they will accept him not residing with us and its not a court order? 
makes no sense and it seems unfair we can afford our loan yet the bank is refusing to approve us stating we can not they requested my husband pay stubs and XXXX which we sent over yet only to be told he doesn't live with us my husband support me and our XXXX kids yet we can't get a loan mod with his income included only my income is looked at thesis crazy ... he's on the deed of the house so he's equally entitled to it. 

my husband is more than happy to move in back with us if this will eliminate thinly notion.

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 2023-01-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Synchrony Bank XXXX Synchrony XXXX XXXX XXXX misapplied payments to our account which placed our account in an " accounting hold '' state. This accounting hold delayed the posting of our payment by more than 30 days which triggered an automatic missed payment mark on both my wife 's and my XXXX and XXXX credit reports. 

The delayed posting payment was made on XX/XX/XXXX in the amount of {$830.00}. My wife spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told that it would take 45 days for the credit review. I spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told it would take 60 days for the XXXX XXXX. I was escalated to XXXX, a customer service supervisor, who said she could not help me. When I asked to be transferred to someone in the credit review or accounting department, I was told " they do not speak to account holders ''. 

I believe that it is the responsibility of Synchrony bank to correct its own errors in a timely manner when that error has caused detriment to the consumer.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 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 No other adverse items of information should be on my report other than records of convictions of crimes according to 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.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 bought a car from capital one, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.

Company response to consumer: Closed with explanation