BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX  or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: WV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient became the servicer of my student loans ( originally taken out through the Federal Direct Loans program and then later serviced for a while by XXXX XXXX ), and since that time I have had several problems with them that required me to call as a result of unclear or misleading communications. In this case, their website has shown for the past two months that I owe {$0.00}, and when I click " Make a payment '' the amount to pay auto-fills at 0 and just resets itself to 0. However, both my father and I have been receiving calls for the past week with vague messages asking me to confirm my identity ( I did once, by pressing 1, but then the line went dead ) or to log into Navient.com ( which, as described, I 've been doing this whole time ). Today I finally got a call from a live representative, and when we could finally hear each other ( the beginning of the call seemed like the audio was cutting in and out ) I was asked to confirm my last name. I never did that, asking instead why I was getting these calls and how I could be sure I was even talking to a real Navient representative. The representative said she had my account up, and I countered that I was looking at my account and could see no amount due. She then proceeded to tell me that my account was 24 days delinquent, and reiterated this several times after I explained that the website shows no amount due. I refused to confirm my last name when she finally prompted me again, and instead requested that she not call again. I have since emailed Navient about the issue hoping for some clarification but am still waiting for anything beyond an automated feedback message. If I have time at work tomorrow I will try to call their toll free number to see if anyone there knows what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Care Credit account ending in XXXX. Well a few weeks ago I noticed that a promotional balance was not be applied correctly and that at the rate it was going it was going to expire with interest. I contacted them told them and said I would contact the XXXX. Well a few days after that the account was closed and the reason given -Activity on account with Synchrony Bank indicative of high risk of failure to pay. 
Now this is a totally false accusation. I have had account almost 2 yrs never late paid above minimum and paid all my promotional balances off on time. I feel this is retaliation for me complaining. And here is the proof they went and closed my 4 other accounts with different merchants that use Synchrony Bank. All with same reason. A paypal credit, pay pal mastercard, Dick 's Sporting Goods, Amazon and Car Credit. Some of these accounts had XXXX balance and again never late. I feel they also are closing me because I hardly if ever pay interest and pay off all promotional balances before they expire or pay of in month. I ask you please do a XXXX serach and see that this is a common practice with them. Also Walmart filed suit against them for doing similar practices. This is hurting to my credit report and my relationship with each Merchant. My credit report will support me never being late and also I can show statements that show I paid on time and paid more then minimum most months

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX, XXXX, Experian. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY! 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company 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 2023-05-14
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. 
my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. 
SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. 
I can submit past 6 months of payment slips if necessary. 

Thanks 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 2021-11-02
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I SOLD a sterling pin on XXXX, was paid and product was shipped with tracking number to the address given. Paypal want to take the money back because the customer claims he never got the package. 

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 2019-06-04
Company: Experian Information Solutions Inc.
State: HI
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:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: TX
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 have sent XXXX letters to remove personal information from my credit report to Experian. 
XX/XX/XXXX tracking ID XXXX XX/XX/XXXX tracking ID XXXX According to the fair credit reporting act 15 UCS 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not supposed to share my information to a 3rd party people These are a clear violation of my federally protected rights.

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 2023-05-14
Company: Credit Karma, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Karma shows on my phone app that on XXXX credit bureau I am deceased and all of my accounts are closed and Consumer is deceased. Please have credit karma reinstate all my XXXX accounts are open and being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was reported 30 days late because I made loan payments during a lender offered, Covid 19 payment assistance deferral with Chase Auto Credit. 

On XX/XX/XXXX, I responded to an offer by Chase to defer payments on my auto loan for 2-3 months. Due to the uncertainty of how the virus would affect my income, I enrolled for the deferral and stopped automatic payments. ( enrollment letter and program expiration letters attached XXXX We were in the process of obtaining a mortgage for a new home during this time. 
On XX/XX/XXXX, My loan officer cautioned me that any mark on my credit report at this time would jeapordize my chances to obtain the mortgage and, as a precaution, advised me to pay up the auto loan with Chase if I could. Since the Covid situation did not affect my business badly, I could make the payments. 

I called Chase on XX/XX/XXXX to tell them that I was going to start making payments to bring the loan current and avoid negative marks on my credit. I clearly stated I did not want to do anything that would jeapordize my credit. The representative told me that my credit would not be affected and I would not be reported late or reported that I was on a deferral. 
I sent them three seperate payments so it would be absolutely clear they should be applied to each monthly payment, instead of being applied as one bulk payment. ( bank statement attached ) On XX/XX/XXXX, I received a letter from Chase informing me that my " Covid 19 assistance program has expired '' ( letter attached ). Showing I was in the program from XX/XX/XXXX to XX/XX/XXXX. 

I received a credit alert that I was reported 30 days late for the XX/XX/XXXX payment. 

I contacted Chase Auto Finance and placed a dispute. I was told by the dispute department that since I made the payment in XXXX, the XXXX payment was 30 days late, but the account is now current. Due to the automated process, there was nothing they could do to remove the 30 day late. In addition, they charged me a late fee for the XXXX payment. 

I wrote the 3 major credit bureau 's and entered a dispute. All three came back as having checked with the creditor and finding the results to be accurate as " Account is current '' In summary, I was on a payment deferral plan, and with all good intention, made payments to insure there would be no issues with my credit. My credit score dropped almost 40 points due to, what I can only guess, was a gross misunderstanding during a very chaotic time. I thought I was doing the right thing. I would have never intentionally jeapordized my credit. 

I respectfully request this 30 day late be removed from my credit reports. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I received an email from Capital One stating that my account was two months past due. My account was set to autopay so I immediately called them. I was told that the auto pay was set to a specific amount not to the minimum payment and that recent activity had made the minimum payment greater than the amount it was set to pay. I made the make up payment on the phone and then changed the monthly payment type to the minimum payment so it would not happen again. My credit report was flagged as a non payment even though I had been making payments on time all along. I was never notified that there was a problem with the amount of the payment which would have allowed me to correct the problem before it affected my credit. Upon review of my statements I found that for three months I was assessed a late fee but again no  notice that there was an issue. On XX/XX/2020 I mailed a letter to Capital One disputing the late payment status. I never received a response. On XX/XX/2020 I filed a dispute with TransUnion to which I did receive a letter from Capital One asking for an explanation and a copy of my credit report. I mailed the requested information but never received any response from Capital One. On XX/XX/2020 I filed a dispute with XXXX  stating the same facts as I have here. I never received any response from Capital One. On XX/XX/2020 I again filed a dispute with XXXX   stating that I had never received a response from Capital One. As of today XX/XX/2020 both XXXX  and XXXX  show that my dispute has been completed but Capital One has done absolutely nothing to resolve this outside of the letter requesting more information that they in turn did nothing with. As of today the account is paid in full and I just want that misreported mark for non payment removed from my credit report. I feel that Capital One policy has no interest whatsoever in protecting the consumer or they would have notified me that there was a problem when I still had time to fix it. Instead, they just made money off of late fees with absolutely no notice whatsoever and they refuse to respond to my requests for assistance.

Company response to consumer: Closed with explanation