BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or around XX/XX/2019 Psypal stayed notifying me of some sort of item that someone had sold using my psypal account. I immediately replied to the emails stating I had never ever sold anything on my account and didnt even know how to. Only to find out later no one answers or reads those replies I sent. Was told I need to go on my account to resolve. After many attempts and their site not being user friendly, and trying g to reach them by phone to no avail, I have up. They then eventually added an {$800.00} charge to my account and demanded I pay for it. I am now being harassed by them by email and phone to pay this fraudulent charge to my account. I have no idea what to do next and they are charging me interest. I did have a balance on my account at the time they suspended it and before this charge was added .... which I will gladly payoff once the correct amount is billed and my account reinstated.

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 2023-06-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 : This morning at XXXX XXXX XXXXXXXX, I received an email stating my account had been approved. This email was followed by three emails, each at XXXX XXXX stating my password had been set. These emails were followed by three additional emails ( XXXX XXXX XXXX XXXX, and XXXX XXXX ) with an authorization code. I looked up the company on the Internet and called the number provided in this report to report the fraudulent account. The company 's automated message required a full social security number and zip code to reach a representative. Since providing this information is a security violation, I could not reach anyone. 
I sent an email to supportcard.com reporting this as a fraudulent account and requested they close it immediately. At XXXX XXXX this evening, I received ANOTHER email with an authorization code. I believe this means they ignored my original email and have not closed this account. 
I had to freeze my accounts at the credit bureaus and report the incident to IdentityTheft.gov and with the 3 credit bureaus. 
XX/XX/2023 : I just received a notification that card.com is sending a credit card out despite my notification. I found a fax number ( XXXX ) XXXX and sent a fax containing my emails to cancel it. 
I do not have a card number, but they have the record under my email account : XXXX. I do not know what the billing address is for the card since I didn't open it, but I assumed it is the same as my address since I can not submit this report without knowing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions 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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXXXXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.

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 2023-06-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Card was never activated and called to cancel and provided payment method for annual fee and was told that it was closed. 

Checking later on my credit report and it shows as a delinquent account with late payment which caused an impact to my credit score.

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 2020-06-10
Company: Navient Solutions, LLC.
State: MA
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:
In 2018 the entire loan amount I carried with Navient was paid in full and somehow the account is showing as closed. Paying the debt off was incredibly difficult as they did not offer many options for payment in full and methods of doing so. 
Secondly, I was serving in the XXXX XXXX XXXX during the times that Navient denied me any benefit to repayment options or anything of the like they claimed to offer service members. Instead they marked my account as being in forbearance which further delayed the proper repayment of my loan, furthermore tacking on unnecessary fees et al toward my principle balance due. My credit score continues to suffer even today given Navients blatant malpractice and predatory loan procedures. The loan has been paid in full for years now. It now shows on my report as closed and has continued to destroy my chances and hopes of providing a home for my young children given the constant negative remarks and false information added even to this day. 
I ask for justice not just for myself but for my children who deserve a home of their own. We have moved often in order to give them what they need and deserve and they deserve to have a home. A true home. My husband and I have worked very hard serving our country and the people of this country on the civilian side outside of our military duties for years. This is grossly unjust behavior and incredibly unfair. 
Navient, among other predatory loan establishments should be held accountable for the life long damage they create for the people of this great nation. The price I expected to pay for a higher education in this country has quadrupled in the negative effect and horrible toll it has taken on not only me but my family. 
Please do something about this. I plead for your assistance in changing this for not only myself and my family but for many many other families suffering at the hand of Navient and their predatory practices. They should not be allowed to continue preying on young Americans hoping for a better future. 
Thank you for your time and good day. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: PA
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:
Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 2020-06-10
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : 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 explanation
Consumer complaint received 2018-03-09
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:
XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



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 non-monetary relief
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My sister in law applied for the card unknowing to me on XXXX and used the card. I found out in XXXXXXXX XXXX XXXX when I downloaded the XXXX application. I spoke to her and asked her for the card and Why she did that and she said I built your credit and i will give it to u once you get divorced. I called the credit card company and closed the account and reported as a fraudulent application and they advised i still have to pay the amount. She use a check to pay one of the payment on XXXX XXXX which she opened a checking account also unknowing to me. Even thiugh the credit card comoany advise i still ahve to make payments all correspondence is going to her address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Welcome Home Finance
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was working with XXXX XXXX from Welcome Home finance, I was constantly asked for documentation that he already received from me on more than one occasion! The terms and conditions were constantly changing from week to week and day by day! I was misinformed or not informed about money or items that were needed for closing costs and reserve money! But my final straw was he ran my credit report 2-3 times within a 2 week span that lowered my credit score to null my qualification to get a loan for a house! In total I believe XXXX ran my credit score a total of 5-6 times since the beginning of XXXX, theres absolutely no reason he needed to run my score this much! Since he did so now Im disqualified from up taining a mortgage with him or with any other mortgage company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've suffered from two big negligent problems with this XXXX XXXX XXXX : 1 ) I never received a bill, nor ever was notified that my bill was due or close to overdue. There was zero communication from XXXX XXXX except for promotional emails about accumulating points and spending points. 

2 ) This XXXX XXXX advertises itself exclusively through its website and cell phone app. The only way to create automatic payments is through its cell phone app, but the cell phone app was always broken and wouldn't let me log in ( even though I was using the SAME username and password from the website ). In other words, the cell phone app was too buggy to use, so their advertised " automatic payments '' were dis-functional and un-usable. I've included photos from today of this dis-functionality between the web interface and cell app interface. 

The lack of any billing notifications, and the dis-functionality of their web/phone interface resulted in me never being informed of my overdue bill, nor able to setup auto payments for it. 

These problems are likely because this credit card is very new, and the web/cell interface is very new. It has bugs. Also there was zero customer service available by phone or email or webchat for over 3 business days that I tried to contact them. 

This resulted in an overdue status on my bill and a late fee. 

Due to their faulty system, I'm requesting that this XXXX credit card completely remove the overdue bill history of my account and restore my account history to a clean history so my credit scores don't get damaged from XXXX 's negligent faulty bill payment app.

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 2022-09-14
Company: WELLS FARGO & COMPANY
State: NY
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:
I have tried to get Wells Fargo Credit Card to stop allowing XXXX charges for months. The have now credited refunds for these charges AND are still allowing XXXX charges to go to our 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 monetary relief
Consumer complaint received 2023-06-02
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I talked to the owner of the XXXX XXXX and he stated that I did not open an account, and he also texted me stated that he told the collection company it was a mistake and he told them to delete the account because it was a mistake!! However, they have refused to remove the debt. If you contact XXXX XXXX they will tell you it was a mistake. This is FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. Please investigate thoroughly and please remove it!!! This is identity theft! Please remove it from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Genesis FS Card Services, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I canceled a membership with Experian due to the company was playing with my credit Store. They will add false information to their system. Also, their agents are extremely rude. I added a security freeze in my account and because I downgrade that member Experian retaliated by unlocking my account and blocking me from removing any security freeze. I was able to reach out to one rude agent. Not from the US. Unwilling to help. He was asking me all types of questions when their IVR had already authenticated the account. He lied to me tell me that he unfreeze the account when he did not unfreeze the account and he purposely change my security PIN when I asked him not to. Now, these people have full access to my personal information. I need this to be resolved. I will get legal advice against Experian

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit.

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 2018-01-12
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
InXX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my XXXX and Equifax report. Anything fromXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXare all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only experion has deleted them. XXXX and Equifax both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.

Company response to consumer: Closed with explanation