BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items 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 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite this debt being in dispute and its unliquidated character you continue to XXXX  inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX  has yet to hold this debt.

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 2018-05-25
Company: Experian Information Solutions Inc.
State: PR
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 sent a certificate letter to EXPERIAN on XX/XX/XXXX ( XXXX ) asking to validate US BK XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW. In XX/XX/XXXX EXPERIAN answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX XXXX to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that EXPERIAN used false information to verify the accuracy of the US BK XXXX AND BK XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY EXPERIAN 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 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite this debt being in dispute and its unliquidated character you continue to affirm inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX has yet to hold this debt.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-25
Company: SYNCHRONY FINANCIAL
State: NY
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 bought a merchandise in XXXX XXXX they offered a credit card and I accepted after that the balance was payoff. never use the card again, months later they cancelled the card saying my credit report was too low XXXX and that I have many delinquency balances. all that information is not accurate. I recently bought a house, and it upset me that this bank try to discredit my credit record.

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 2018-05-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I checked my credit report recently and noticed that my student loan balances are not going down. They are in fact going up, and this is after they changed my repayment plan, and increased my payment by over a {$100.00}. ( it has continued to increase since then ) I would expect my balances to get lower after that. I had to do a lot of juggling to work the increased payment into my budget. Here is the payment history for the last 24 months. 

You can see starting XX/XX/XXXX all my payments are going to interest. This company is ripping me off. I wish I would have seen this earlier. 

Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$140.00} - {$220.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Adjustment {$57.00} - {$57.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$460.00} {$0.00} - {$460.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$12.00} {$0.00} - {$12.00} XX/XX/XXXX Payment {$0.00} - {$480.00} {$0.00} - {$480.00} XX/XX/XXXX Adjustment {$0.00} - {$21.00} {$0.00} - {$21.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have contacted SYNCB on behalf of a Lowes credit card, because they are reporting to the credit card agencies saying that I have a balance over {$5800.00}. I sent them letters to have them prove to me that I have singed a contract with them. They told me I was an authorized user on this account I asked them to remove me from this account as a authorized user. I haven't heard anything from them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. 

This is the POSTAL ARTICLE NUMBER sent to SYNCB asking them to remove me. 
1. ) 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA failed to run payment on 5 separate occasions between XX/XX/XXXX and XX/XX/2018. They were provided with payment information for check by phone four times, from two separate accounts - yet they never ran the payment. One payment was even made from a USAA account to USAA and they still didn't accept the payment. Funds were available and because of an error on their end they would state the account was paid and I called to confirm weeks later and they would confirm payment again despite telling them funds were not withdrawn from my account. Eventually they would state that payment was not made and I would try to make payment again and repeat the same XXXX cycle. I sent them a check for the full balance due via priority mail ( from a different bank for yet a third account ) they received the payment then SHREDDED the check. I have called dozens of times and talked to the same number of people all of whom refuse to assist in resolving this other than to ask for payment information again. I have written to them about this issue 4 times and they have not responded to a single letter. This is absurd, they are wrecking the credit report by reporting the account as late, and now as a charge off. There is no way to actually pay this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP 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 2022-05-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have several CD 's with Synchrony Bank. On or about XX/XX/XXXX I opened the Banks web page and there was an add for a 16 month 2 % CD. I immediately opened the 16 month 2 % CD with XXXX. When I received written conformation the rate was 1.85 %. I called to complain and wa called a liar ( my words ) They said the 2 % didn't go in effect untill the next day yet it was advertised on the web page. I am a XXXX XXXX XXXX XXXX XXXX XXXX  to the Mass Senate, why would I lie. But for the add I would not have opened the account, CD. I spoke to the first banker 's supervisor and was told the same thing. I wanted to close the CD but was XXXX there would be an early withdrawal fee. Please help. I'm XXXX but did not make a mistake. I believe my age is why they are jerking me around. There had to be others that did the same thing. There web page may have been early but that wasn't my fault.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: TX
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:
I'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: IA
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:
Ive disputed my XXXX  accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each 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 2018-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check in the amt of {$19000.00} into Wells Fargo acct # XXXX on Friday, XX/XX/2018. On Monday I checked the acct & the funds were seen as available balance. I called the bank & spoke to a business acct agent & asked if the check was cleared. I was told yes. I also asked if there was any chance the sender of the check could stop payment or cancel check. I was put on hold & when she returned she said " absolutely not ''. Check is cleared for use. This entire call was recorded & the bankers verified when the conversations were heard at a later date. I then called my real estate broker & announced I was leaving their company to join another. He became very angry & as I thought would happen, tried to take revenge on me. In this case by stopping payment on a check I received for a closed deal on Friday. On Wednesday I went online to begin paying bills from the acct & noticed the entire check was stopped & removed from the acct. I immediately called the bank & spoke to several different people. I kept being told it wasn't their fault. My issue is the incorrect info that I was given by the bank agent caused me to lose the amt of the check. I depend on the bank to provide accurate information when I ask a question. They should know the guidelines & be educated as to how the business acct works with deposited checks. What if they amt was for a million dollars?? And I was told it's totally cleared & fine so don't worry? WF response was that they will do a better job in the future instructing their bankers??? How does that help me now? If I had been given accurate information, I would have taken a bank check, removed it as cash, etc. I would have had options. Being told fraudulent info caused me to lose the money & I asked for it to be redeposited into the acct by WF since it was their bogus info that caused the money loss. WF is refusing to make good on that check & the only response is they will better instruct their agents? Totally ignoring that the info they provide is incorrect & caused this issue. Again, I would like the total amt of {$19000.00} to be reimbursed by WF into the acct for their wrongdoing, misinformation & direct cause of money loss.

Thank you for working on my behalf to resolve this issue.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.

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 2023-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Since last year, I have been trying to get two XXXX XXXX accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

XXXX XXXX has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

Experian has been provided copies of the written correspondence sent to XXXX XXXX  instructing them to remove me from those two accounts. To this day XXXXXXXX XXXX  has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, 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