BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: SYNCHRONY FINANCIAL
State: NY
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:
I held a credit limit of XXXX for a year with Synchrony bank. I have made all payment on time. Paid balances in fill every billing cycle. During the pandemic they closed my account stating I had a low credit score and to many accounts. Which at the time none of this was true. When they close my account ; I lost all rights to rewards I earned using my card and no one has made me whole. I have made several attempt to resolve matter with company. But no avail

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 2020-10-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted Experian and XX/XX/XXXX on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my 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 2022-01-06
Company: EQUIFAX, INC.
State: MT
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX of 2020 my mortgage was up for refinance. There were delays getting it refinanced. The XXXX XXXX XXXX XXXX XXXX started showing in my credit bureau 120 days past due. I emailed the bank and was told repeatedly that once the refinance was done they would remove the 120 days past due. In XXXX 2020 I refinanced and was told it would take 30 days for the 120 days past duets be removed. It is XXXX XXXX, 2020 and its still 120 days past due. I file a dispute with trans union the beginning of XXXX and trans union says the bank says the information is correct. The bank says they reported back to trans union to remove it. Someone is lying. I need help because no one is interested in helping me raise my score.

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 2020-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
As part of the Equifax settlement, I signed up for a free MyEquifax account. For the last four days, I have been trying to log into that account. Every time, it says, " We are temporarily unable to complete this request. Please try again later. '' There is no discernible way to ask for support on their website, so I went to their XXXX page. A private message went unanswered, and a public post was deleted. Finally, just to add insult to injury, Equifax keeps sending me e-mails asking me to upgrade to a paid service. I want to use the free service that was promised in the settlement. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX, XXXX XXXX XXXX XXXX, all through Comenity Bank. I got behind in payments and they set me up on a payment plan. They took the payments were taken out all last year. They continued on charging me late fees of XXXX anyway. Now my accounts have trippled. XXXX is XXXX, XXXX XXXX is XXXX, XXXX XXXX XXXX. The customer service number is XXXX. Hardship number is XXXX. I have contacted them several times to remove the late fees but they refuse. They are definitely ripping me off. I have been given the run around. I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Advanced Call Center Technologies, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Seeking employment and my background did not go through although I have properly taken care of my legal matters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have attempted multiple times to get my co-signer released from my student loans. We have paid 12 months of interest up front, as well as all the other steps listed on their website yet I am still being denied. No one returns my phone calls. I need my cosigned off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Equidata, 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:
I contacted XXXX because I was turned down for an apartment because my credit report had conflicting information concerning my age on XX/XX/XXXX. I requested that my age be updated. I was born in XXXX  however my age is listed on the report as XXXX  yrs old. I received a decision in the mail on XX/XX/2019 stating that the investigation was updated to show my year of birth as XXXX and my age was XXXX. Called on XX/XX/2019, explained the situation, the representative apologized and stated that my age will no longer show on my report only my date of birth of XXXX.Received another letter stating that investigation was complete and my age is XXXX years old onXX/XX/2019Called again the explain the situation, this tie asked to speak to a supervisor and was told that ‘‘tis issue would be updated. Today is XXXX XXXX and I am not confident that this issue has been resolved, mean while the apartment complex is waiting for the updated information as they could not identify me based on conflicting ages/ year Born on my credit report and the apartment complex stated that they never seen anything like this before and that that was the only thing stopping me from getting the apartment.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Macys, XX/XX/2020, regarding a collections account ( XXXX ) that I was trying to full pay for {$770.00}. I called and was told that I could not pay Macys directly, I had to contact XXXX XXXX XXXX XXXX. And that once I paid the balance they would update Macys in 24-48 hours with payment. And to allow Macys an additional 7-14 days to make sure payment posts and Macys would zero out the balance and update my account to all credit bureaus. I was transferred to XXXX XXXX XXXX XXXX. A rep told me that they could offer me a settlement of {$340.00} if paid during the call. I asked her to confirm that it would show my account was settled with a {$0.00} balance. She said yes and confirmed what the Macys rep said, to pay and allow 48 hours for update and they would notify Macys payment was made and account was settled. I asked if she could send me something in writing to confirm. The rep took my fax number and on XX/XX/2020, she sent me a letter confirming everything. After 14 days, XX/XX/2020, I contacted Macys and asked about updating my account. Macys states that they received the payment for {$340.00} and I still have a balance of {$420.00}. I explained the settlement and she said that my account will eventually update but could not tell me when. I have called and held hours, and no one has been able to assist me with getting the account updated. I even tried to call XXXX XXXX to pay the {$420.00} that Macys says is due and they will not accept it because the account has been paid as agreed. I really need to get this account updated. I am in the process of trying to get my life back on track and purchase my 1st home. My mortgage loan is pending the resolution of this account. While I know paying the account and keeping it out of collections was my responsibility, I have paid the account now when financially able and would like it updated as I was told by Macys and 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 2023-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They charged us overdraft fees multiple time even though we have overdraft protection and someone hacked our and wells Fargo locked it down to where I couldn't access it and never did anything about it. We had our account locked for about 2-3 weeks before we finally left them. When I called to shut the account down they said there was no progress but they were still working on it. I had other bills that were past due and had late fees from my other bills due to this lock out.

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 2020-07-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/20 I received a purchase confirmation from XXXX  for XXXX.I never made the purchase so I immediately called XXXX who put me in contact with the bank.The bank closed the account and supposedly the purchase was cancelled.I called the bank on XX/XX/XXXX to verify I wasnt charged the rep said I wasnt charged.On XX/XX/XXXX I received an email confirming shipment to the fraudulent address.I again called the bank to make sure I wasnt charged and the charge was on my account.They started a fraud claim and I again called on XX/XX/XXXX and the bank had no knowledge of a fraud claim so they supposedly started one.I checked my account today XX/XX/XXXX and the charge is still on my account I really dont know what to do at this point to have it removed this is the worst company I have ever dealt with.

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 2020-07-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I closed my Visa Credit Card Account. I sent a final payment which bank never received. Now my credit report with XXXX is reflecting and increasing the amount of deficit I owe. I called Synchrony Bank/Gap Visa and made a final payment again, registered mail. The problem here is that there are at least 5 different mailing addresses for this credit payment. I forwarded all this info to XXXX, filled out their dispute form and would like to include XXXX in this complaint as XXXX and XXXX had no problem handling all of this credit XXXX over the phone and resolved it. 
I believe Synchrony Bank/Gap Visa has a major problem with keeping track of credit card payments and handling its customers thru XXXX. XXXX seem to relish all the paperwork and hoops that they make their XXXX-rated consumers have to jump thru to get a simple job done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had XXXX  cash card prepaid that was stolen and money was refund to that card XXXX saying nothing was done i have enail showing it was i been fighting XXXX for 3 month they closed my card the whole account and how am I getting my refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
There is a XXXX XXXX account that doesn't belong to me, yet it is showing up on my personal consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is my Third time writing you to update my personal information. I demand deletion of all personally identifiable information from my consumer credit report with the exception of my enclosed. 
1. My Full Legal Name 2. My Address : 3 Phone number included.

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 2019-08-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage services located in XXXX New Jersey recently took over my loan from Ocwen I received a package from them regarding a loan remodification I promptly filled it out and attached supporting documents I mailed this to them USPS XX/XX/XXXX 10 days after the issuance I followed up with PHH and was told they had not received my documents I called the very next day and they verified that they had received them and that they were in the process of uploading them with a 24 to 48-hour window were there modification team to review at this time I was instructed the active foreclosure would be on hold for up to 30 days as they review the documents on XX/XX/XXXX the phone call was noted completely incorrectly as its stated above-mentioned context of our conversation and went on to say in the notes that the mortgage company attorney had the paperwork for the loan remodification there was no discussion in this 2 minute phone call regarding this attorney or any prior knowledge at all regarding this fabricated phone Note I subsequently proceeded to escalate this through their management process where I spoke with XXXX  agent ID XXXX   XXXX instructed me to fill out the new form that he would provide me via email and assured me that he would listen to this XX/XX/XXXX 2 minute phone conversation noted above and get back to me with his discretion I have to the state not receive an email nor have been advised my loan number is XXXX furthermore I have just received the docket for my foreclosure as they are clearly enhanced this foreclosure process by skipping this critical step of loan modifications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CORELOGIC INC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear COMENITYBANK/VICTORIASSECRET ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 during the time i was XXXXXXXX XXXX XXXXXXXX. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXXXXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

Company response to consumer: Closed with non-monetary relief