BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: AES/PHEAA
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 have federal student loans owned by the US Dept of Education and managed by FedLoan Servicing. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, FedLoan marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX  points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted FedLoan and disputed the false reporting of delinquency given the CARES act. FedLoan responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. FedLoan misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, FedLoan 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted FedLoan and requested that the false reporting of delinquency be immediately corrected. FedLoan refused. FedLoan stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from FedLoan addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect FedLoan issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Byrider Franchising, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied an auto loan based entirely on my source of income being from XXXX XXXX XXXX XXXX. This is public assistance. I have been unfairly discriminated against by XXXX at CNAC Bank. Contact number is XXXX. XXXX said he is denying everyone on unemployment right now. I have over {$1800.00} a month in income. I can afford an auto loan. This is illegal discrimination. I tried reading the law to him and told him I would make a complaint, and he said " I won't hear from anyone. '' He is used to being able to break the rules and get away with it because he doesn't think you will do anything about it. I need a vehicle so I CAN get another job. I need help. 

They also will not provide me with a denial letter. I thought I had a right to a letter detailing the reasons why I was denied credit. 

This is the bank for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Made multiple attempts to resolve delivery issues with XXXX. I spent at least 6 hours on the phone with reps and supervisors. Each one would give a different scenario, or put me on hold and never return, or gave incorrect information, or made statements that were not truthful or inaccurate and just simply lacked common sense. The customer service is beyond horrendous. After hours on the phone and speaking to reps and supervisors, it was still not resolved and became more and more conflicting with each conversation. So while on the phone with the last supervisor on XX/XX/2021 I demanded to immediately cancel my account. After 13 years as a customer I want nothing more to do with XXXX. She confirmed cancellation. I then received the attached email. The email is a lie ; dishonest; erroneous and made up. This is unprofessional and substandard administration. I contacted Capitol One to ensure that correct and accurate information is placed on my credit report to reflect that my account was CANCELLED BASED ON MY REQUEST. Capitol One informed me that they are the financial side of XXXX and is responsible for reporting to the credit agencies but could only place on my report what XXXX told them. They could not change, alter or edit any information. This is to demand that XXXX, XXXX and Capital One place truthful and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This XXXX bank doesnt value me or my business they refuse to process my credit card applications send me a XXXX letter saying Im high risk

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 2022-12-31
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:
I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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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 2023-03-04
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the credit reporting act XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX RE : Synchrony XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Credit Card Subject : Credit Card XXXX I am contacting in reference to a purchase made through my XXXX XXXX XXXX Synchrony card. My original purchase had a delivery date of XX/XX/XXXX for a portion of my purchase which totaled {$2200.00} to synchrony. The second shipment was to be delivered was XXXX to Synchrony which totaled {$3600.00}. 
Initially, I disputed XXXX due to it wasn't XXXX of my purchased amount listed above but I called XXXX XXXX XXXX to find out that they were billing my purchases separately. I had to dismiss the dispute and this took a few months to fix. I called XXXX XXXX XXXX and Synchrony to ensure this was fixed. However XXXX XXXX XXXX took responsibility for the error and Synchrony has not fixed the amount on my account since day XXXX. Synchrony has doubled and tripled some of the purchase amounts. It is a year since I purchased the bedroom set. As of right now my balance is showing as {$4200.00}. My balance has even been over XXXX. Which is all incorrect. I have called so many times to no avail. I have been told over and over this will be fixed however its not. Meaning, I have called weekly & monthly since this circumstance happened. I have spoken to customer reps and supervisors and to no avail. Another issue is they have reported these inaccurate amounts to my credit reports every month. I wish I could include my receipts for my orders from XXXX XXXX XXXX which I provided to Synchrony as well. I also have XXXX statements which both have the totals wrong. I confirmed my actual purchase amount with XXXX XXXX XXXX twice as well. Due to the fact I have called Synchrony weekly and monthly for almost a year I am requesting your assistance. In addition, I have been making payments on this as well. My current total as of XX/XX/XXXX should be {$2800.00}.

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 2023-03-14
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TWO COMPANIES ARE REPORTING FALSE INFORMATION TO THE CREDIT BUREAU OF AN ACCOUNT THAT I NEVER HAD WITH THEM I NEVER OPENED A TELEPHONE ACCOUNT WITH THAT COMPANY, THEY ARE REPORTING ME CHARGES OF {$1500.00} AND THEY ARE DAMAGING MY CREDIT. ACCOUNT NUMBER # XXXX I.C SYSTEM INC {$1500.00} XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$970.00} 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 2021-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit with Chase bank today and was denied. I filed bankruptcy in XXXX and have been working very hard rebuild my credit. I pay all my bills on time every month. I have several accounts with Chase 1 business account, 1 personal checking account, XXXX children 's accounts and a savings account. I also have my auto loan through Chase. I am applying for the credit card to further build my credit to buy a home within the next 12 months. I'm a hard working widowed mom. I am a XXXX, I own a small business and work a full time job. I am seeking a small credit line with Chase Freedom credit card to further improve and increase my credit competency. I would kindly ask chase to work with me in rebuilding and reconsider my denial I haven't had a single late payment. My credit scores range from XXXX to over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a XXXX  account report on my XXXX  and equifax report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my equifax and XXXX  account. Below I will attach a copy of all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
Experian decided to respond to my complaint ( XXXX ) that was initiated on XX/XX/22. They mentioned that the inquires that I mentioned, were unauthorized, were linked to open accounts that " was '' on my report, meaning that they are no longer there... if we are going by their word, they are openly admitting to NOT following the FCRA guidelines by reporting inaccurate information this is in violation of 15 USC 1681e ( b ). How are you going to claim that inquiries that I, as the consumer am telling you are unauthorized, are valid because they are linked to accounts that " was '' on my report. They then proceed to say, that they were removing 5 inquiries that were included in my complaint because they noticed that they were " duplicate '', this is also a violation pursuant to the FCRA as they are supposed to be sure that there are not inaccuracies on my consumer report at ALL times. They also said that the inquiries shown are a " factual record '' and shall remain on the report for two years ... if I am telling you that these are unauthorized and you have no way of verifying that an application was submitted by me, you are required to delete these items. It should not have to take me filing a complaint for this agency to do their job. They then proceed to mention permissible purpose, which I am glad that they did. According to 15 USC 1681b ( a ) ( 2 ) they never received my permission in writing to furnish my personal information in the first place. There was also a mention of a reinvestigation being done, this is also an admission that you all have violated the FCRA, you all NEVER reached out to any friends, neighbors, or family members and conducted interviews as stated in 15 USC 1681a ( e ). How can you claim that you know these " unauthorized inquiries are factual, if you do not receive " applications : from the " credit grantor ''? This is an ASSUMPTION and is no where outline in the law. If you so called knew that these inquiries were factual based on accounts opened and I am disputing the validity, there is no FACTUAL evidence for you to go off of. There are NO current open accounts with any of the companies who Experian has allowed to gain access to my consumer 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 2023-03-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2021, i sent equifax letters regarding unauthorized inquiries that are reporting on my credit report USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, these companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification within 15 days. 

Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry. they hasn't responded thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent charge on my debit card has not been reversed after days of being on the phone. I was told on the phone that the charge would be reversed by now.

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 2023-02-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I contacted PayPal about an email I received indicating that an invoice for {$1400.00} was coming from XXXX  for a purchase of an XXXX in XXXX  by someone named XXXX XXXX. I wasn't sure if this was a phishing email. PayPal confirmed that indeed there was such an invoice to be paid through funds from my connected bank account. I let them know that I had not authorized this transaction nor lent anyone my PayPal account information. I had checked my PayPal account after receiving the suspicious email and actually elected to Cancel this transaction, before calling PayPal about the fraud. The rep sent me another cancellation form through my computer browser ( not email. ) Then he asked me if I could download a program for him to go onto my computer because I didn't understand what he was telling me when he said I would get confirmation of that cancellation from my bank ( XXXX ), which is a separate entity. I then went onto XXXX 's website, to my account info, and did not see any confirmation from XXXX as the rep had told me. So, he accessed my computer. Then he asked me to download an app called XXXX  from the App store onto my XXXX. I did that, and he accessed it and told me that there were other charges coming in, including one from XXXX for a recipient named XXXX XXXX, and others for XXXX puchases. I was able to verify that someone named XXXX XXXX did add themselves to my XXXX recipient list and that they tried to get {$300.00} from my bank account on XX/XX/2023 as I was on the phone with the PayPal agent. I got off the phone with PayPal and contacted XXXX XXXX  via phone, and they were able to reverse/cancel this charge immediately. Today, XX/XX/2023, I attempted to close my PayPal account online in order to prevent any further fraudulent attempts to get money from my bank account. I got a message saying I couldn't close the account. I have both a Credit Card account and an account that goes to my XXXX banking account through PayPal. I contacted via telephone ( and internal XXXX  text ) a representative from XXXX named XXXX XXXXXXXX ( credit team ) and she told me she couldn't close my Credit Card account because it was connected to my other account ( connected to my XXXX  account ). This did not make any sense to me. These are separate accounts. PayPal kept asking me why I wanted to close the accounts. I told them that it is my right to protect myself and that I felt the account was compromised. They shouldn't make it difficult for me to close my account with them.

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 2023-07-13
Company: EQUIFAX, INC.
State: PA
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:
These alleged accounts are being reported to my consumer report without my consent In the form of a " charge off ''. The IRS identifies a " charge off '' as income for which I should have received a 1099C. I have not received a 1099C nor does incomes suppose to be reported to consumer reports! Therefore in accordance to the FCRA, please remove these account from my consumer report. You have an obligation to protect my right to privacy and to ensure my consumer report is fair and equitable to me at all times.

Company response to consumer: Closed with explanation