BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: SYNCHRONY FINANCIAL
State: CA
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 been doing business with Synchrony for a number of years using their Amazon credit card. I recently made the decision to stop doing business with Amazon and have been cutting ties across the board and changing my credit accounts. Part of that means stopping my Synchrony Amazon account, which is marked for closure due to disuse. I opened a XXXX card with Synchrony due to it's rewards program, but still planned to discontinue use of my card. Unfortunately, Synchrony closes these accounts automatically. Such a closure would impact my credit score substantially. I asked the bank if they could move the limit over to the XXXX card to preserve my credit limit. 

They refused outright and said there would be no way to protect my score in this situation. I called to attempt the matter on XX/XX/2021 and spoke with multiple managers. This is an abuse of my consumer protections as it forces me to either use a financial product I do not want to use and is being forcibly closed, or suffer 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 2019-06-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 a client reserved XXXX XXXX at my campsite in the woods, paying through PayPal $ 200+ {$50.00} refundable deposit if she left the site as explained. The client acknowledged reading the website explicitly stating NO REFUNDS if the woods experience is not what she expected. Included in the disclaimer is " expect insects ... come prepared with bug spray. '' The client set up camp on my woods property on XX/XX/XXXX, but after a few hours texted me that she was leaving because her boyfriend found ticks on himself. I suggested they go to the screened level 14 feet into the trees and use insect spray. They left anyway. 
She demanded a full refund. 
I gave her {$140.00}, {$100.00} for the night not used + {$43.00} refund, although the agreement was no refunds. 
The client continued the conversation recorded in complaint # XXXX demanding the {$100.00} for the time she occupied my property. 
On XX/XX/XXXX I concluded the discussion involving PayPal and the client saying I had reiterated my case 3 times and had nothing more to say. 
I left on vacation in a remote area without computer XX/XX/XXXX. Upon my return, I find that PayPal has refunded the client {$250.00} of my funds without my consent on the basis that the client had said something more to which I did not respond. 
Evidently PayPal has a policy to reward whoever responds last and automatically defers to the one who makes the last statement. Of course I had responded., No camper goes into the woods without insect protection in Florida 's summer. The client does not deserve a refund at all, yet I gave her more than half of what she paid. 
Now the client has $ XXXX {$250.00} = {$390.00} of my money, at best an over refund of {$140.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 bank of America did a fraudulent charge a {$260.00}. Bank of America now has closed my account and will not investigate this ATM charge they're saying fraudulent on my part and therefore EDD has now closed my account and Bank of America has frozen my account I am XXXX  due to this.

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: EQUIFAX, 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: 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 these accounts 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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts below are reporting on my personal credit file with EXPERIAN and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-09-07
Company: Experian Information Solutions Inc.
State: IN
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:
this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft.

15 u.s. code 1681b permissible purpose : in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts immediately

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 2023-09-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me. 

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Linebarger Goggan Blair & Sampson LLP
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Second notice of unpaid fees informing us that we owe for unpaid tolls in DE. Her and I both live in Utah and have not been to Delaware in 7 years. After looking up this law firm this seems to be common practice for them. Multiple people have complained to the XXXX  about this exact same scenario from DE to CA regarding tolls. More so aimed towards the elderly. I urge federal consumer finance to please look into these complaints registered with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In response to my previous complaint, company has instituted overdraft protection without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX 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 Inquiries : 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 2023-01-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was held with Wells Fargo. We tried to get help to keep our house through either payment delays or any other means possible but they denied us. I was directed to notify them due to their settlement over a class action lawsuit. We ended up losing our home to foreclosure and were forced to move out. We lost our home in XXXX of 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 2022-05-17
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I was enrolled as a full-time student this Spring and will be again this Summer. I will be a college student for a couple more years before I complete my degree and reenter the workforce. 

I took private loans out for a different school some years ago. Once I was done there, I entered a six month " grace period, '' after which I began regular and consistent payment of those loans. Those loans were with XXXX XXXX, who apparently sold them to FirstMark Services. 

I began my studies at XXXX XXXX in XX/XX/XXXX. Since I have been in school at XXXX XXXX, I have again been in loan deferment. Now, though, literally the day after the Spring XXXX term has officially ended, I'm receiving phone calls and emails from FirstMark insisting that I resume repayment. I first received a call of this nature on Friday, XXXX XX/XX/XXXX, and my father was able to call FirstMark and confirm this information on Monday, XXXX XX/XX/XXXX. 

Apparently because the Spring term has ended and I am not actively in classes, though still enrolled, they are at liberty to harass me until classes resume this Summer when deferment resumes. The gap between the Spring and Summer semesters lasts from XXXX XXXX to XXXX XXXX, less than a month. I asked about a grace period between terms, but was told that doesn't apply since only one grace period is allowed, apparently, and I used it when I left school the first time some years ago. And, since these loans are apparently due NOW, I risk going into some kind of default or other credit-damaging state if I do not resume repayment NOW. I am a full-time student and do not currently have funds to repay loans. 

Is this accurate? Are they really free to threaten and harass students between semesters because they're not " technically '' in school? Even if those students absolutely are still enrolled students and are just waiting on the next semester? I am now not certain that I will be able to take internship or other over-the-Summer opportunities if this is the case, if the moment I am " on break '' I begin to receive distressing calls such as this. I also do not know why I did not receive this same treatment last year when I was in school, if this is truly the case. 

Please don't hesitate to contact me if more information is required to fully answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Mortgage with Nationstar on XX/XX/XXXX. Payments of {$1300.00} monthly at 3.5 %. Note states payments to start on XX/XX/XXXX. Loan set up with no escrow acct. as we pay our own taxes and insurance. ( Note attached ) On XX/XX/XXXX, I tried to get a loan modification. This was denied by Nationstar on XX/XX/XXXX. ( Denial Letter attached ). My monthly payments continued on time. 

In XXXX of XXXX Nationstar decided to set up an escrow account for our mortgage without my knowledge or authorization. When I received the new mortgage payment I called Nationstar to find out what had happened. I never got a straight answer from any staff member and no one knew why the escrow account had been set up. In my recent correspondence with Nationstar, they claim that it was due to the modification denial. That makes no sense since the denial was in XXXX. Then they also tell me that the escrow account should have been removed at the time of the denial. Like I reported prior, there was no escrow account set up in XX/XX/XXXX. 
In the consequences of Nationstars error in setting up and removing the said escrow account my XXXX payment which was received by Nationstar on XX/XX/XXXX, was reported DELINQUENT to all XXXX Credit Bureaus. 

This error of Nationstar stays on my record as " too many delinquencies '' for 7 years. 

I have been communicating with Nationstar for several months now and they refuse to correct this mistake. They continue to claim they never received my payment until XX/XX/XXXX due to placing my payment of {$1300.00} received by them on XX/XX/XXXX into an " invisible escrow account '' PS : I am attaching only one correspondence between myself and Nationstar but there are several more. Please let me know if you want me to send them. They have already seen them. Not sure they read or paid any attention to them. 

Also since there have been many communications between Nationstar and myself already and no resolution please let me know where else I can venture to get a resolution. Nationstar has already proven they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me.

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from a debt collection agency, Gulf Coast Collection Bureau, XXXX Fl. after looking it upon the net it seemed legit. I called the actual provider of the service ( XXXX XXXX ) and found I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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