BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for XXXX XXXX XXXX to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my 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 2022-02-17
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE

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 2017-07-11
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: Account information incorrect

Complaint:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: National Budget Planners of South Florida, Inc
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint is with National Budget Planners. National Budget Planners solicited me for federal student loan consolidation services in XXXX. They told me that I would be eligible for loan forgiveness after making on-time monthly payments for seven years, regardless of my occupation. They also told me that my monthly payment would only be {$39.00} since I was still looking for full-time employment after graduating and qualified for a reduced payment plan due to my low income. They made it sound like this {$39.00} a month would apply to my student loans. Come to find out that this $ 39 monthly fee did not apply to my loans and was just a servicing fee for National Budget Planners, even though XXXX Servicing was actually servicing my loans so they had me thinking that XXXX was charging me the $ XXXX. Once I got a full-time job in XX/XX/XXXX, I recertified my income-based repayment plan and my monthly payment increased with the student loan servicer, XXXX, and I noticed I was still being charged the extra $ XXXX. When I called to ask what this was for, I was told that it was the fee charged for servicing loans and was under the impression that this was a XXXX fee. As of XXXX XXXX, XXXX, my federal loans have been transferred to XXXX for servicing by XXXX. I was still charged the $ XXXX fee in XXXX and XXXX of XXXX, so when I called XXXX to see why they were still charging me, they informed me that Federal Loan servicers of the Dept. of Education do not charge fees for servicing loans. After escalating my conversation to a supervisor, I was informed that I didn't sign up with XXXX directly and that National Budget Planners had basically " scammed me '' into using them as a " reference '' for signing up with XXXX ( the supervisor 's words, not mine ) so National Budget Planners are the ones who have been charging me $ XXXX for the past seven years, which was never made clear to me. The XXXX supervisor told me to make sure XXXX removes their access from my account, have my bank put a block on all future charges, and file a complaint with the FTC against the debt relief company as " this is basically a scam '' ( again, the supervisor 's words, not mine ). Not only did National Budget Planners mislead me from the very beginning about loan forgiveness eligibility, monthly payments, and interest rate accruals, but they also made me believe that I was working with the actual student loan servicer, XXXX, the entire time. All of these conversations were done over the phone, so no documentation is available to share, which is even more frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: First Associates Loan Servicing LLC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX XXXX around XX/XX/XXXX. During that time I was enrolled in the XXXX program. At the time I did not realize I was not given the option to decline the Peaks private loan or use all my Federal loans before taking out a private loan. The loan they had me sign for was original {$6800.00} and currently XXXX. After I attending for about a year I realized I made mistake and decided to drop my classes. Around the time I decided to drop my classes I signed for the Peaks private Loan. So I called to have the loan cancelled. At that time First Associate was servicing the loan, and I was told the school will cancel the loan and return monies. However, that did not happen. I decided to sue over loan in XX/XX/XXXX. However, I lost my case. Last year, I learned that XXXX was found guilty of predatory lending and unethical business practices which resulted in them closing all their institutions. I am requesting that this loan be dismiss due to the nature of its circumstances, that reporting be removed from my credit report, and my money return to me that I paid over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
In 2013 my wife and I went to a resort called XXXX XXXX in XXXX. I already had a time share with Wyndham resorts  which I still currently own. A salesperson at XXXX XXXX XXXX, during a presentation, led us to believe that XXXX XXXX would buy out current contract with Wyndham Resorts which was completely fraudulent. We had to open up credit card with Barclays Bank Delaware ( Barclaycard ) to facilitate transaction. Upon return I found out that the claim of buying out my contract was fraudulent so I contacted Barclays and sent them handwritten note from salesperson XXXX  ( no last name ) to that fact. They did not investigate and turned account over to collections. I retained an attorney who on my behalf threatened to file suit and they agreed to discharge debt. I attempted to file suit against XXXX XXXX in XXXX, but, since international, decided not to pursue. I always have had excellent payment records but for this. I believe Barclays did not take the fraudulent claim into account and did not investigate because of their affiliation with XXXX XXXX. Since account has been discharged without prejudice I would like these late payments to be annulled from my credit and my good credit should be restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I requested VALIDATION stating signed documents with my signature are contact by the original creditor. 
Haven't received anything saying this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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 recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit 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, XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX   XXXX, XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-06-04
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease taken out from American Honda Finance Account # XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the inquiries listed below : Inquiries XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/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 2022-08-12
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certificated letter XX/XX/2019 to All-State Credit Bureau XXXX Inc informing them that a debt on my credit report did not belong to me. Im addition, I ask them to provide me with the documentation that was used to verify this debt or remove the debt from my credit report. However, I received insufficient documentation dated for XX/XX/2019. They sent a lease agreement with someone else signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a tax lien on my credit report from Transunion on 3 different occasions. The lien is not on my XXXX or XXXX credit report which I have attached. Transunion only says that the lien has been verified but did not furnish me with no original documentation on who or how it was verified.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-02-17
Company: Diversified Recovery Bureau LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector called my work number and I explained that I am not able to talk at work, because I take calls to assist patients, that is my job, I can not have personal conversations on my work phone when I am supposed to be working

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
The companies " XXXX XXXX and Experian '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation