BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without prior notice Synchrony Bank closed all my established Credit Cards. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX Many of which I paid either in full when I used them, or paid more than the minimum payment more than twice a month. 

Many of my cards had less than 30 % utilization. All paid on time for years. 

The closure with balances negatively affected my credit score.  They CLOSED ALL without warning without a letter, without a valid reason telling me I was a risk because of something on my credit file and there is nothing negative after the Chapter XXXX that was discharged in XX/XX/2015, 5 yrs ago. 

- Paypal Master Card - Cheveron Gas Card - Chevron Visa Card - Ashley Furniture All this made my debt to available credit ratio go down negatively affecting my credit worthiness in violation of the TILA and FCRA. 

They appear to have done this to multiple customers and many of my on time accounts. 

this is not fair - I have worked hard to rebuild my credit and this will affect everything else since it brings down my debt/credit ratio.

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 2021-01-07
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 found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is second time that Navient has made error on withdrawing funds from my checking account. BOTH situations have been corrected, however I want it on the record about the errors that Navient has made. 

XX/XX/XXXX @ XXXX AM - I called Navient to withdraw an additional {$810.00} to be applied to the principal on XX/XX/XXXX along with my regular {$300.00} payment. 

XX/XX/XXXX - {$810.00} payment was NOT applied UNTILL I CALL TODAY @ XXXX AM XX/XX/XXXX - Navient withdrawal {$500.00} ONE DAY PRIOR to Scheduled agreed upon day of XXXX XXXX. No overdrafts occurred but Navient employees need better training at bare minimum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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:
The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX i tried to settle a debt with portfolio recovery for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of XXXX. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX  
2. XXXX XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

7. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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 couldn't respond to a previous claim number-XXXX Experian said they don't have the accounts on my credit reporting but it is clearly showing and if it is not showing then why it it showing on my credit report. i will list the account below again. This has been past the four days that the law states for deletion in I demand that it gets deleted from my credit profile. XXXX XXXX from Experian in the fraud department has not returned my phone call. 

XXXX XXXX XXXX {$830.00} Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the XXXX data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well. I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt. I demand these items be deleted immediately or I will file for litigation due to the stress you have caused 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 2019-04-25
Company: Advanced Portfolio Group LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have sent XXXX other complaints through this form and nothing has been done. I have received another call from a XXXX from a XXXX XXXX from an Advanced Portfolio Group. He goes on to say he is needs statement as he is a pre-legal and it is part of his job. He also called me work, again, after I told this place not to call me last week as it is not allow and my voice mail is shared. This XXXX XXXX also called my ex-husband with personal information. They are not allowed to do that. They already know my contact information, so they are not supposed to be calling family, work and long lost ex husbands. I called XXXX XXXX, who is the original debtor. They told me they sold it to XXXX XXXX XXXX Collections. I looked them up. They are licensed in XXXX. I have not heard from this XXXX XXXX place yet. I called the XXXX and a man stated, " hey this is XXXX ''. I said, " what company is this ''. He stated, Advanced Portfolio Group. I mentioned he did not stated his company when he answered, that was a reg flag. I told this XXXX about this XXXX XXXX character, repeatedly calling my work ( XXXX times last week ; including a XXXX XXXX XXXX right after I told the lady at this Advanced Portfolio Group to quit calling me at work and I would wait for a validation letter ) and harassing me and now harassing my ex husband.I asked again to this XXXX not to call my work or anyone else except for the contact home phone they had. I also mentioned that I called both XXXX XXXX and XXXX XXXX and they do not know whom Advanced Portfolio is. XXXX stated, " oh they must be part of XXXX XXXX XXXX, as we are like a sub company ''. I stated I am going to look into this more before I do or say anything else. This XXXX stated he would call me back in a weeks time, but the other calls will stop and this XXXX XXXX will be talked to and reprimanded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Old information reappears or never goes away

Complaint:
I learned looking at my recent credit report from Equifax that an account that had been deleted off of credit file as reappeared. I received no notice from Equifax stating that this account would be placed back on my file. This account was disputed in 2017 and was removed in 2017. The account from XXXX XXXX and XXXX XXXX was removed then reappeared without anything being sent to me is against the law. This happened when I called Equifax. They had two accounts for me then they combined them and now it separate again. I would also like that to be fixed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On numerous occasions with Wells Fargo Bank I have asked them how can they show a payment as approved in my transaction list and then later something else hits and they do not pay the previous item. I was charged fees by Wells Fargo and also the entity that I had no idea was placing a charge to my account. I stated I do not think it was fair for them to approve something that I was aware of and reverse it after the fact. Why would they pick and choose instead of giving a notification to me because they have called me to verify a charge before by calling me. I started taking screen shots and also turning my card off when I do not make purchases for people who attempt to take payments without my permission but did have my card. Wells Fargo even paid things from my account when my card was turned off and I have asked them how can they do that when I have a screenshot of the date the card was off and when it got turned on. I was told if I gave the card out to a company they can use it when they chose to at will. I replied each time if the card is turned off you are still not supposed to allow the charge to take place. They said it was not true. I was told that a charge can transpire if they had my routing and account number only and that was why I started assumingly protecting the account from charges that could make my account go into negative status like a banker told me there before and turn it off. They keep changing on me. It is not fair and I am struggling to survive as is. Help me please.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Re : Complaint Against Experian & XXXX XXXX Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from XXXX XXXX. 

Experian is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.

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 2023-09-20
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So my chime accounts what scammed over the weekend all of a sudden today I went to use it and it was declined when I called chime they said they closed my account. Which now my money is on hold and they wont release or reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/XXXX I went into the American eagle store to purchase a jacket. Before making my purchase I was asked by the associate if I wanted to apply for the AE rewards card. I agreed but before going through with the application I asked the employee if it would be a soft or hard inquiry. I was then told by her own manager that it would be a soft one so I proceeded. I was denied immediately. The next day I saw that the application came up as a hard inquiry on my credit report and my score is instantly lowered. A similar issue happened on XX/XX/XXXX that also affected my score. The associates refused to help in removing this. I dont believe its fair for my credit to be dangled because of the incompetence of these employees. I am asking American Eagle to contact their bank synchrony to remove these inquiries as this could be considered fraud and is unauthorized use of my information. I would like to resolve this amicably before getting legal entities involved. I also had a similar experience when doing into XXXX on 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 2019-09-24
Company: Telsa Motors Inc
State: CA
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 reviewed my credit reports and found out that TESLA is reporting to the credit bureaus that I have a debt with them, with a balance of {$23000.00} with a monthly payment of {$110.00}. 
I have NEVER purchased anything from Tesla. 
In 2015 I installed solar panels in my home from Solar City.

Tesla bought Solar City, I was notified that the contract would remain the same, but clearly it did not.

Tesla has added a new debt to my credit report instead. A debt that does not exist. 
My original contract with Solar City is for the usage of electricity solely, produced by the solar panels. ( Panels are free of charge ). 
My contract was for 20 years, at XXXX cents per kw. " With the option '' to purchase the panels at the end of the contract at a fair market value determined by an appraiser at that time, Or, have them removed free of charge.

I contacted Tesla, they told me " they are calculating '' the electricity I will use between now and the next 20 years and that's how they came up with a figure of $ XXXX. That sounds insane, I might not even live another 20 years, let alone, predict the future to know how much electricity will be used in my home. (? ) Solar City never reported any amount to credit bureaus. Tesla needs to honor original contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
Tuesday XX/XX/2021 XXXX XXXX requested her Transunion personal credit report several days ago. Transunion sent XXXX XXXX her credit report which is dated XX/XX/2021. We received her credit report on Monday XX/XX/2021. We found that the envelope was NOT sealed ( opened XXXX, the envelope was NOT cut, the glue was NOT transferred to the other part of the envelope. Pictures of the envelope will verify what i am stating is true! We then removed the credit report out of the envelope and found page 13-17 separate from pages 1-12. Now, when the credit report is generated, it come all together and in order which means, TransUnion failed to secure the envelope prior to mailing the credit report. Furthermore ; Transunion compromised XXXX XXXX personal information such as full name, address, and date of birth, partial SSN #! Since this occurred, XXXX XXXX personal information is in the possession of another person, shared personal information to strangers that XXXX try to commit fraud with her personal information! Now, envelopes/packages are supposed to be sealed when mailed! Pictures of envelope are available upon request!

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 2019-09-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

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