BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After living in XXXX for XXXX years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. 

In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can imagine, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. 

I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter regarding XXXX XXXX on XX/XX/2021 and It has pasted 30 days for an investigation according to the Fair Credit Reporting Act ( FCRA ), section 611 : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the credit file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I believe the account XXXX XXXX should be removed from my consumer 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I do Not Have OverDraft Protection and there are 3 Withdrawals.

I received Chase 's Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION. See attached near bottom-No Overdraft Protection. 

And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Navient Solutions, LLC.
State: OR
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 submitted a dispute, several times now, because XXXX refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with XXXX. XXXX sent me a letter saying Navient is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on XXXX. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The car loan fully PaID off after refinancing by the second loan provider company, but the first company still sending me bill statement every month, even I received paid of confirmation letter and the car title. 
They reported to credit report agencies and my credit score affected ( dropped ). I need your help to investigate and to correct this falls and unfair report from loan provider Thank for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2500.00}.

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 2020-08-11
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was employed at a XXXX  where I received health benefits. I assumed my benefits covered a one-time visit to the clinic. I never received a bill or notice to pay or dispute the bill. My first realization that the debt existed was when I checked my credit report. I visited in XXXX. On my credit report it says XXXX XXXX is asking to collect {$180.00} as of XX/XX/XXXX. I tried to contact them but could not get through on the phone.

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 2023-12-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im having the same issue I had already reported once before with Comenity Capital bank, first it was with my Sephora Card and its still happening with my XXXX as its the same bank. 

Ill try to make a payment the day its due online and their server or site will be down and will not let me log in, I took a screenshot of what it looks like too. And I got charged a late fee because I couldnt make my payment that day. 

However, the next day its up and running just fine. Theyre a horrible bank to consumers. I tried calling and it automatically says that my account is not eligible for a courtesy late fee waiver. The one time I asked for it last year, they didnt even offer a full late fee wavier, they gave me a freaking discount? Which only took off like a few bucks which is insane to me because other banks help you out and waive the full late fee amount. 

Id also like to note that this is not the first time this is happens with my XXXX card, Ive gotten charged plenty more late fees for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IL
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:
This debt with XXXX XXXX XXXX. Has been charged off for years and Ive disputed this debt several times in the past 5 years and it always comes back as verified. How is it verified as valid debt when its been charged off for nearly 5 years? XXXX XXXX XXXX has sent a letter stating that they are no longer attempting to collect on this debt. Why is it still being reported on my credit profile and being verified by the credit bureaus as valid debt of the creditor is no longer attempting to collect on it and Ive asked the creditor to provide a 1099c as this is now considered personal income to me with their charge off? This is being reported inaccurately and must be removed immediately as it is negatively impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 synchrony bank approved a wire transfer from another bank to my synchrony accounts. XX/XX/XXXX Synchrony initiated transfer of {$39000.00} to my synchrony account. XX/XX/2023 synchrony restricted access to my accounts. I called synchrony and was told for my protection the transfer was on hold for some kind of review. On XX/XX/XXXX was told by synchrony that the transfer was canceled. I call every day trying to get restriction lifted. After being told that it was canceled on XX/XX/XXXX I received notification from synchrony that the transfer of {$39000.00} is completed. I call synchrony and get lied to and told that they didn't receive the money and even got hung up on by the bank manager. XX/XX/XXXX o receive notice that the money is credited on my account and start getting daily balance notice. I call every day and just get one story after another about some review. I am about to lose everything I have because I can't pay my bills.

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 2023-03-22
Company: The Best Service Co.,Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
These were fees charged for closing my account. Which is against the law. Im in process of contacting attorney.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX 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 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 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 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 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 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 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 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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my car off XX/XX/2021 I paid the principal balance to XXXX I close on a house in XX/XX/2021 and the principal balance had to be at a XXXX for FHA to even approve and find the loan JP Morgan Chase auto finance because they lied and said they would negotiate the late fees and did not want to do it at the end I was waiting until they were ready to negotiate the fees as they originally stated. 
In the month of XXXX all of a sudden it showed on my XXXX over {$110.00} principal balance which I had already paid off I called to find out why they said this is a maturity fee one time fee I paid it and that shouldve been the end of it but no due to the fact that they wanted to close out my account but not negotiate the late fees it reappeared in XXXX which I once again repaid it they cancel my payments two times and then lied and said they didnt do it just to have a reason to try to charge the account off for {$110.00} this is fraudulent when Ive done everything Im supposed to do I have my payment history I have a paid in full letter for the principal balance So the fact that they were doing fraudulent activity to try to close that account is unacceptable Im on my credit report fixed and I want something to be done about this company and the way that they handle their business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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:
This is not associated with me. I have been fighting since i found out this was inaccurate to have it removed without any luck. It is making it impossible for me to do what I need to do credit wise because its reporting negatively and its not my account. I have reached out to the bureaus sever times and nothing has been done.

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 2023-06-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
Unauthorized enquiry by XXXX XXXX on XXXX of XX/XX/2022 on my Equifax should be resolved. 
Equifax has failed to do a reasonable investigation and have stonewalled my several requests to comply, now I believe they owe me money since the time allowed for them to do a reasonable investigation has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I contacted XXXX XXXX XXXX several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to XXXX XXXX XXXX 's website on XX/XX/XXXX at approximately XXXX XXXX  to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. XXXX XXXX XXXX reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from XXXX XXXX XXXX  stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was XXXX for several months due to XXXX on my XXXX back in XXXX, and at the time XXXX XXXX XXXX was not the mortgage company. I have always paid XXXX XXXX XXXX on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that XXXX XXXX XXXX did this to me. As a result my credit has dropped from a XXXX to a XXXX. XXXX XXXX XXXX is refusing to correct this, and I am hoping you can 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 explanation
Consumer complaint received 2022-06-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a Federally Protected consumer a natural living man COMENITY BANK have violated my consumer rights to pravacy. Pusurant to 18 USC 1028A ( a ) ( 1 ) and 15 USC 1681g ( 11 ) Comenity Bank violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had ( credit card ) charges denied three times in three weeks. Our bill is paid in full each month, so it is not due to our behavior. US Bank is becoming overprotective and seems to think everything is going to be a fraudulent charge. I have spent many minutes on the phone getting my card " unlocked '' when I have done nothing wrong! US Bank is clearly more interested in holding on to their money than they are in my being able to use my credit card consistently. 

Approximate dates of denial of charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They agreed to have text messages sent to me when this occurs so that I can quickly say " Yes, that is my charge, '' but today 's denied transaction gave me no such message. 

THE PROBLEM IS THAT THEIR IS NO INCENTIVE FOR US BANK TO CHANGE THEIR BEHAVIOR. I can be penalized for MY mistakes, but they are not being penalized for theirs.

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