BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/XXXX, I went to Lowe 's to make a purchase with an understanding that I had $ 1500+/ {$2000.00} available credit, only to be declined at check-out. I called XXXX XXXX at the Lowe 's Customer Service desk only to be informed that on XX/XX/XXXX, they closed my account without any notification they were closing my account. I was informed by a XXXX XXXX representative that they closed my account due to a recent credit review. I informed the representative that my credit history/score is actually better/higher than when I first opened the account in XX/XX/XXXX. I informed the representative that the account closure was unwarranted and significantly dropped my score due to the closure. 
I have never been late on payments for this account or any other account I currently utilize. I do not generally carry a balance on credit accounts. Upon research, XXXX XXXX is notorious for these banking practices by closing account ( s ) without warning and without warrant of doing so. XXXX XXXX is utilized by multiple corporations by offering store credit cards and I will never utilize this bank for future credit offers by any store that uses this bank. I will continue to utilize my other reliable credit accounts to make all my purchases.

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 2019-05-22
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sequium Asset sent a collection notice dated XX/XX/19. I sent them a letter requesting that they validate the debt. The letter was sent certified mail and was received on XX/XX/19. I did not receive a response from Sequium Asset Solutions but the item appeared on my XXXX credit report. They did not respond to my request that they validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: AES/PHEAA
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:
I submitted a complaint in XXXX regarding incorrect information being report to credit bureaus by AES. Here is my original complaint : y credit report shows 7 late payments for my student loans with the Loan Servicer AES. 6 of the late payments from XXXX were incorrectly reported as these late payment dates were during times when my account was in forbearance. Therefore, none of these late payments should have been reported to the 3 credit bureaus. I contacted AES on XX/XX/XXXX and the call lasted from XXXX - XXXX ET. A representative provided me with my forbearance time periods. After review of the dates, I realized they were during the same times as the late payments that have been reported. 

Here is part of AES response to the CFPB complaint : Based on this review, corrected information was sent to the consumer reporting agencies to which the information was previously reported for loans one and two for the months of XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a rep from PHEAA Office of Consumer advocacy  on XX/XX/XXXX and he stated request was sent to credit bureaus on XX/XX/XXXX to have the 6 late payments from XXXX removed. Credit bureaus have stated no request was ever sent by AES or PHEAA. 

I need this 6 incorrect late payments removed as they are hindering from moving forward with the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # 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 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: SD
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:
In XX/XX/XXXX I contacted XXXX XXXX XXXX # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. This debt was sold to Midland Funding LLC, who i have contacted to remove it from my credit and they put me on hold and transfer me around but refuse to address the issue. 
When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: OH
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 : FID INFO XXXX, XXXX XXXX Company Inquiry : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: FL
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:
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My mother used her XXXX XXXX Debit Card and attempted to withdraw cash from an ATM ( I am her representative payee ). The ATM dispensed no cash, issued no receipt. It flashed an error message " your financial institute does not allow transactions of this value ''. When she went to a different ATM, the previous withdrawal had been deducted from her account as if indeed it had been dispensed. I could not contact this company and I made MANY attempts to remedy this error until almost three days later. I was unable to successfully file a claim with them until six days later and they then made her wait another twenty days to issue a 'temporary ' credit while they researched. One month later, I received a letter from XXXX XXXX Stating they were reversing the temporary credit because the merchant 'stated ' there were no errors on that atm. They did not demand proof of dispensation and they have not complied with my request for all documents pertaining to these transactions and for the proof of dispensation. I am attaching a full outline of all dates for phone calls and actions taken by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up autopayments online, but macys did not process the the autopayments and hit me with a late fee. I had to go call in to pay the bill because the online portal does not work. The same happened to my dad and to other friends. It is a known issue on their side and they won't correct it on my credit report. I have perfect payments except for that incident because THEIR systems failed. I've been asking them to remove it for years.

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 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Capital One to check the status of a dispute I had with a XXXX hearing aid company. The representative said I only had until XXXX to respond to the complaint so the deadline had passed. I pointed out today was XXXX and asked to speak to a manager. The manager claimed a letter was sent to me on XXXX that gave me 30 days to respond. I pointed out that I had not received a letter and that there are only 21 days between XXXX and XXXX. I also pointed out I had an email from the XXXX company dating XXXX offering a full refund. I was offered a link to upload the email, which I did, but was also told that I still needed to respond to the letter I don't have and never received. 

When I asked that the case be reopened, I was told it couldn't be because that was the law no matter what the AG or the CFPB had said. I asked for the uplink to send the email and to be transferred back to the Capital One customer service department so I could cancel my card. It is abundantly clear that Capital One either has a very bad employee ore misrepresents the level of customer service it offers. XXXX XXXX ID XXXX offered to cancel my account on the spot. She didn't tell me that if she closed the account I would forfeit over {$350.00} in accumulated points on the card. Fortunately, I told her I did not want to work with her any further or I would not have discovered this until the money was lost, It's sad when a XXXX corporation that sells broken hearing aids to the elderly has a better grasp of US law and provides better customer service to defrauded people than an American company. 

XXXX XXXX ID XXXX claimed she was the only person capable of helping me resolve this dispute and refused to do so. I sincerely hope that isn't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX  has fixed the error but TransUnion & XXXX have not.

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 2019-05-22
Company: Cash Link USA, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan out through cashlink usa. Ran into some financial struggles and wasn't able to pay off the loan. 
I did get sent to pre-legal for this loan. I worked out a payment plan with the attorney 's office - that was about a month ago. 
Today, I received an email from cashlink usa with the following information : First Notice of Default and Right To Cure This email in detail is telling me that I owe Cashlink Usa for the same loan that I am in pre-legal for. 
I feel that this is extremely fraudulent on their behalf. It feels as though they are double dipping on this loan. I reached out to the company who simply stated they sent this email in error. 
How is that possible when my account is now in their legal department under a payment agreement. 
I am beyond mad about this. I took responsibility when they sent me to legal and now they feel it is ok to go ahead and send me an email telling me I owe this to them again? 
Mistake or no mistake. I feel that this is a huge violation and I want a resolution to this. I am already upset about the fact that the {$700.00} loan that I was not able to pay back is now over {$3000.00} to pay back- I get it, this is on me to borrow the funds, but then you turn around and send me an email telling me this? NOOOOOOO! Not ok with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Convergent Resources, 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:
There is a XXXX  bill reporting under my social security number that was not authorized. I have disputed and requested verification from the credit bureaus on the following dates and have not had the item deleted nor verified : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XXXX and XX/XX/21. I have requested validation of this debt from the third party collection agency on the following dates : XX/XX/21. I have NOT received the requested information from either party. See certified receipts attached.

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 2018-11-24
Company: BB&T CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we're in the process of listing our home to sell. A realtor noticed that we have a debt on our deed that is about 24k above the amount initially borrowed from BB & T in 2008. Long story short - it shows that the previous loan was never paid off. BB & T ( current mortgage lender ) says that they can't do anything because the records go back longer than 10 years. XXXX can't do anything because we do not know the loan # or have the cancelled check of when the loan was payed off by BB & T in 2008. Both banks keep batting us back and forth. I started to inquire about this in the middle of XX/XX/2008 with BB & T mortgage and still have not received help other than ( we paid the XXXX loan off when you refinanced with us ). XXXX bank has replied that they can not help because the loan was never payed off by BB & T.

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 2018-06-16
Company: Waypoint Resource Group, LLC
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:
On XX/XX/2018 I received an alert from my bank regarding a collection in the amount of {$460.00} reported on all three credit reports. The amount shows as open on XX/XX/18. This is bogus information. There is missing information and different information for the same account on all three. The company has since added another name on one of my reports after I complained due to bogus and missing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX repossessed Truck. 
Chrysler Capital began reporting to credit bureaus as a charge off bad debt before they actually repossessed the truck. 
A while later maybe a year they were reporting the account was still open. I've disputed everything that this company has reported to the bureaus and not once have they been corrected or removed from my credit reports. They continue to report false information to these buraeus and I keep getting denied credit and it keeps costing me more and more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX. The problem is that my experian credit works membership is showing wrong information like when I look at summary of my credit score it tells me that I have one account thats 30 days late. But I don't have any late payments on my credit report. The problem is that it keeps showing up on my membership profile when I click on my credit score it show that a 30day indicator in the score sections. I address this mater to the disputes department and they told me that their isn't anything negative on my report. XXXX that I have to speak to experian credit works customer service. Because they have a different data base. So I talk to membership and I got the runaround that they don't correct mistakes they did tell me that they see it in the credit works profile but that's handled by regular special services dept this is affecting me because some lenders think I have late payments on my experian report but I dont

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 2018-05-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Date Navy Federal credit union has not removed over 10k in fraudulent charges on my credit card. They were negligent in allowing someone to open an account stating they were my spouse without any proof. Navy Federal also allowed this individual to call in a check off of that credit cards to pay other fraudulent accounts. Navy Federal actually took the charges off then put them back on. I have read other reviews with this being done to them also. I am seeking a group to move forward with litigation as a whole and also whom are interested in seeking damages and emotional distress. I have followed their process and gone through all of the steps including the process with the police and still Navy Federal has not removed the charges. I have also found 2 others whom have had this done to them as well. They have asked me for documentation and I have sent it. I also sent a message stating I had reason to believe the crook had been selling off my information to others and I have had no response back from them at all. Anyone who can assist us with getting this information in front of the attorney general is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation