BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: NV
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:
About two weeks ago, I wanted to purchase a refrigerator from XXXX. Doing the on-line paperwork I intended to use our XXXX XXXX that has a credit limit of {$14000.00}. XXXX offered XXXX dollars if I signed up for their credit card. I did and was told I only qualified for a {$1000.00} limit, half the amount. Called Experian and was not given coherent answers. Called XXXX, same result. Ordered a financial profile from Experian and they said " lenders may see you as very reliable ''. I made clear to XXXX and Experian that I owned my home, had no debts ( always pay off credit cards ), good bank account etc. Maybe they were worried I was too old-XXXX. Received an unsigned letter on XX/XX/XXXX, dated XX/XX/XXXX. The letter said my credit score was XXXX. Our bank, XXXX XXXX XXXX XXXX lists credit scores of XXXX for past 6 months at least and XXXX XXXX says our scores are at least 800. This was extremely sloppy research and neither XXXX or Experian attempted to call me. Bottom line, XXXX lost a {$2000.00} sale because of the incorrect credit score. XXXX credit reference reference number 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 2023-01-10
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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and make sure to correct or discard them from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: NC
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:
Synchrony Bank XX/XX/XXXX : after not receiving a notice for payment, i made the payment and asked to be put on autopay. 

My autopay should be approximately XXXX. I have always paid XXXX -- XXXX dollars more each month for over 24 months. 

On XX/XX/XXXX Synchrony Bank withdrew {$3800.00} dollars from my bank account and closed the account. That had paid it in full. We had a balance just over {$1000.00}. The bank has an account that paid {$2700.00}. That account charges fees and interest. 

I called my bank to have them cancel the incorrect withdrawal. Because it was Synchrony, they could not do that. They suggested I contact Synchrony. At first I could not log in because my account was closed. I found a way around that. After much searching, I found a number to call. 

Call 1 : The person I reached told me it would be 7 - 10 business days to return our money. 

I went to their XXXX  site and saw where people were leaving comments about the same or similar thing happening to them. I left a message on there. 

A person called me and told me she would try to expedite the return because we had {$36.00} to last us in to XXXX. She said that it was a " SYSTEM ISSUE '' and we should get our money back in 14 days. She gave me a phone number with extension and her hours. Repeated calls have not been returned. 

I have had about 6 messages under their HELP section. The responses I have gotten back are almost form letters. They say it will be 7 - 10 days, and the latest ones say it will take at least 2 to 3 weeks. One said the account is closed, so they will have to send us a paper check. 

I have sent information on this to XXXX XXXX XXXX XXXX XXXX XXXX I learned that they only contact the company and let the company handle it. 

The Synchrony card we have was for our XXXX heatpump. I understand this company owns over XXXX cards such as XXXX, QVC, Lowes, and the topper is Amazon. 

The financial devestation I have experienced has created problems with me mentally as well. Soon the electric company will turn off lights, and the phone company will shut off the phone. We traveled XXXX miles round trip to turn in out cable equipment to stop that autodraft. Our car gets XXXX mpg, gas is about {$3.00} a gallon. If you do the math, and take it out of our XXXX remaining dollars, you get the idea. 

I now know we are not alone. Please get them to handle this quicker. Fine them, suspend them, I do not know ; but action need to happen. 

Synchrony has major problems and has about ruined my family, my credit and since I can not get life saving medicine, they may have killed me. 

I have copies of the messages, my payment history etc but can not attach them currently.

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 2023-08-13
Company: EQUIFAX, INC.
State: TX
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 am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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: Account status incorrect

Complaint:
There are multiple accounts that are listed with Equifax and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix financial services LLC has sent me a past due bill from a date of service 6 yrs ago. The bill is from a doctor half way across the country that I have never seen. The collection agency is asking me to send {$900.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX Never heard of either business/ practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CORELOGIC INC
State: MD
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:
On numerous occasions my credit was ran with companies without my consent and knowledge.

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 2021-07-06
Company: William D. Meeker Enterprises, Inc.
State: MD
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:
On numerous occasions my credit was ran with companies without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XX/XX/XXXX i had a previous social security number card ending by XXXX where the social security got my information wrong.The first name appear as last name and last name as first name and the date of birth was also wrong. ( XXXX/XXXX/XXXX ) .I went to the social security office to correct the mistake, instead they assigned me a new number with my right information ending by XXXX.Since XX/XX/XXXX to present that 's the only i am using to work and apply for credit card with XXXX, XXXX, and capitalone.The previous card ending by XXXX has been surrounded to the social security office for cross reference and retirement.I am filing complaint against capitalone because i am so concerned about how they handling my personal information, starting with sms and email they addressing to XXXX instead of XXXX XXXX.I do n't know why it cause a problem to send email by using my entire name XXXX XXXX.I would like to verify the social security number capital one has on file.And also recently they have mailed me a replacement cards with the chip already been activated.I should be the only one to activate this product by using the last XXXX digit number of my social security number if it was n't any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been making payments on this student loan from Navient ( originally taken out from Sallie Mae ) since 2010, every payment on time and for the correct amount. I have been enrolling in a Rate Reduction Plan as long as I have been able to, since I have almost always made under {$13.00} an hour and can not afford the ridiculous amount of money they expect a person to pay. I also have other student loans that are not private from other companies. I am a XXXX year old adult, who works full time, sometimes two jobs, in order to live. I have rent and other bills like any other person does. Navient had sent me an e-mail in XX/XX/XXXX that my rate reduction plan was ending and to contact them. I called and gave someone all my information, and I was told the computer would not accept it, because it was too soon and I still had scheduled payments, and to call back closer to XX/XX/XXXX. So I called again in XX/XX/XXXX, and was told the same thing, the computer would not allow her to do it, but she didn't know why, and to call in XX/XX/XXXX. I spoke to someone else today, XX/XX/XXXX, and I was told I could not enroll in this plan any longer, they did not know why, but I can not do it. He said they look at my credit history and other things, and I can use my 4 months of forbearance, or temporarily do interest only payments, but both options are only temporary and since I am not experiencing a specific hardship there is nothing they can do to help me. I however make only {$12.00} an hour, and work full time, and make under XXXX a year. I always pay my bills on time, and am financially responsible with the money that I do make, and it's seeming to get me into more trouble rather than helping me in this instance. I don't know what other options I have if I just do not have the extra {$400.00} dollars a month to pay them. That could be rent for an entire second apartment. I also have other student loans that equal around {$100.00}. I would like to be able to make payments on this loan, however they are not willing to work with my financial ability. I don't know what else to do. I am not able to get ahead, save up any money, or do anything for my own future. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete 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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion reported to a store application stated that I was dead or deceased. This is a scam to make me correct their stupidity, which I will not do. They are not intelligent nor correct. I got their letter dated : XX/XX/18 and the reason they give for my rejection of this card was : Your credit bureau report indicates you are deceased. 

I do not trust these people, and do not intend to do anything but report them to you for your investigation of them. Please assist me in getting this information out to the public, they must be a scam company out to make money off the public.

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 2018-10-01
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. 
My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: The Outsource Group, Inc
State: MO
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:
On XX/XX/18 both my mortgage lender and I attempted to get XXXX XXXX to notify the credit bureaus that my collection account balance of {$390.00} had been paid in full on XX/XX/18 and/or supply a verification letter in order for the lender to attempt to notify the bureaus that the debt had been paid to increase my credit score so I could close on my home. The numerous times that XXXX had been contacted we were given conflicting information as to if or when the credit bureaus would be notified. They refused to supply my lender and me anything in writing to indicate that the debt had been paid ; with the last conversation ending in the bureaus could possibly be notified sometime this month or next month.

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 2018-05-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

Company response to consumer: Closed with explanation