BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Synergetic Communication Inc
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter dated XX/XX/XXXX on XXXX XXXX, XXXX from Synergetic Communication , Inc. requesting a reduced payment on a XXXX   XXXX  account that was discharged in a bankruptcy in XXXX. The letter stated the current creditor is XXXX XXXX XXXX XXXX and original creditor is XXXX XXXX. Balance due is {$1400.00} but {$360.00} will be accepted as full payment and payment must be received by XX/XX/XXXX. 

There is also a statement at the bottom that says that this debt is too old for me to be sued as it is beyond that statute of limitations and I can not be required to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Comenity Bank to schedule XXXX monthly payments of {$200.00} to pay off my XXXX credit card. The Comenity Bank agent only scheduled XXXX payments and I was charged a {$30.00} late fee for their mistake. This was a recorded customer service call and Comenity Bank refuses to remove the late fee for the mistake their agent made. The minimum payment due was only {$22.00} and the scheduled payment was supposed to be for {$200.00}. I have tried to contact Comenity Bank to correct their mistake and their agents are unwilling to listen or assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
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:
Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX ( XXXX ). XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX  to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Continental Finance Company, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Signed up for the XXXX XXXX. Received XXXX XXXX. Had to call and pay XXXX processing fee to even access the credit limit. I did not even apply for this card so they illegally accessed my credit file. Upon payment they read the terms. It was clearly stated on a recorded line that the annual fee of {$99.00} would not occur until the 2nd year. After payment I looked online at my balance and seen that the {$99.00} was charged. Called and got all attitude and hateful people on the phone. No resolve. 

I also made a payment, their site clearly stated all ACH payments will post to your credit line in 5 days. I waited 6 and seen my limit was not adjusted. Called and got a rep who stated it was 7 days. I stated your website in FAQ clearly stated 5 days. She got snippy and said not her problem and hung up. 

The company is clearly out to get consumers and has no compassion or regard to regulations.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 was laid off due to COVID-19 hardship in XXXX, 2020. In XXXX I put my loan with XXXX XXXX XXXX XXXX in forbearance. In XX/XX/2020, I noticed that my credit score had dropped from XXXX to XXXX because my mortgage payment was showing as 'delinquent ' instead of 'in forbearance. ' In XXXX my score dropped to XXXX as another payment showed as delinquent. 

From XXXX to XXXX I have contacted the company 6 times via email and seven -- 7 -- times by phone, usually waiting on hold for over an hour each time, to get the error fixed. They admitted it was a mistake and that 'they were working on it. ' The dates of my contact are listed below. 

It is late XXXX and it hasn't been fixed. 

Meanwhile I got another job, took the loan out of forbearance, and resumed payments. I wanted to buy a house that would improve our family situation. But my credit score is XXXX, not XXXX now. And I couldn't get qualified. 

XXXX XXXX has harmed me by their inaction in solving this problem. 

Now I'm being transferred to another state and want to buy a house. Again, I can't because my credit score is XXXX. I asked XXXX XXXX if they'd please provide a letter stating the mistake. This could work for an underwriter and perhaps I could get approved. 

They said no. They're 'working on it. ' Which they say they've been doing for 6 months. 

XXXX XXXX 's mistake has harmed me two times and materially hurt my family 's financial situation and well-being.

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During XXXX and XXXX had a little financial difficulty making payments in time. Tried to work with creditor to lower payments to keep from damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
State: CO
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 called XX/XX/XXXX to dispute a XXXX charge and request replacement cards for myself and my authorized users. I argued with a XXXX XXXX that I was NOT cancelling my account she stated we have to cancel the card to get new card number with new acct number. SHE STATED SHE WAS NOT CANCELLING MY ACCT AND SENDING NEW CARDS. I called XXXX to ask where my cards are a XXXX XXXX said they were never sent. I then requested to file a complaint against the rep on XX/XX/XXXX since she never sent out my cards he stated he would resend the cards and filed the complaint. When i asked who did you file the complaint against he stated I don't have access. So you lied you cant file complaint if you do not have access to notes so I disconnected call after he stated he was sending cards. I call XX/XX/XXXX spoke to a XXXX  XXXX and asked where my cards are AGAIN i finally get told the acct is cancelled. I SAID I NEVER REQUESTED TO CANCEL MY ACCT. she then attempts to run my credit. I said NO you're NOT running my credit knocking my credit score down when YA 'LL SHOULD HAVE NEVER CANCELED MY ACCT! YOU CANCELLED MY ACCT WITHOUT MY PERMISSION OR AUTHORIZATION so reopen my acct with the original open date and send me my new cards. after 30 minutes on hold she comes back on the line stated they are reopening my acct. She verified my name, SSN, address and DOB then hangs up the call. I call back an XXXX XXXX who after getting my name and password after I tll him the illegally cancelled my acct he WITHOUT LOOKING AT THE NOTES tells me I canceled the accct not them. I BECAME LOUD AND SAID NO YOU!! WHY WOULD CANCL AN ACCT I HAD TO GIVE YOU A DEPOSIT ON TO BUILD MY CREDIT A YR AGO!? AND CITIBANK STILL WONT GIVE ME A CREDIT LINE INCREASE AFTER CITIBANK RETURNED MY XXXX DEPOSIT!!!!! YOU!! CITIBANK CANCELLED THE ACCT WITHOUT MY AUTHORIZATION, I CALLED TO DISPUTE A CHARGE AND REQUEST REPLACEMENT CARDS, he hangs up on me AGAIN. I CALL BACK AGAIN spoke to XXXX XXXX who then informs me the request to reopen my acct FOR BANK ERROR will take 7-10 days I escalate to a XXXX  XXXX the supervisor tells me the request will take 5-7 days and only information she can give me is all the reps I have spoken to are OFFSHORE so she can give me their names and cant do anything.

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 2018-09-11
Company: Stanislaus Credit Control Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company for which I paid off XX/XX/XXXX is reporting as of XX/XX/XXXX that I owe the amount of XXXX. They should not still be reporting this since this account was paid and the amount should be XXXX. 

STANISCCONTR COLLECTION/CHARGEOFF Other {$730.00} Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: DISCOVER BANK
State: NY
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 balance transfer

Complaint:
I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. 

I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. 

I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. 

In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TCF NATIONAL BANK
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX   During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-01-12
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
( XXXX ) XXXX, this phone number which is Navient repeatedly calls every XXXX hours. They have called 6 times today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
State: PR
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:
XX/XX/2019. I opened a membership card of Costco,  XXXX, P.R. I was attended by cuatro service supervisor XXXX. She provided an I requested orientation related to credit card which I was very clear that I would not qualify due I was work king on fixing my credit and eventually on this same month I was going to join with my mothers account to upgrade my credit points. Over my knowledge XXXX proceeded with the request I was not sure of the questions she was asking so I answered everything understanding it was for the membership. After waiting a few minutes XXXX mentioned I didnt qualify for the credit card and proceed with the picture for the membership. I explained that I was not willing to request a credit card due to my previous explanation. After membership was done. I proceeded to call CBNA ( the credit card company ) and explain opened a claim with XXXX. He mentioned this will be documented and should not be reported to credit bureau due to dishonest behavior of the employee he mentioned also will report directly to the XXXX store. Today I see this negative mark in my credit report. I also join with CBNA bank afterwards with no issues. I want the bad mark removed.

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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
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. AUTOMOTIVE FINANCE C Inquiry : XXXX. XXXX, XXXX, XXXX/XXXX  Inquiry : XXXX XXXX, XXXX, JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
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: Information belongs to someone else

Complaint:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on 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 2020-09-17
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a bank account with netspendallaccess/ metabank online. I call the number on the back of the card to activate the card number and card account with the secure flashpay and routing number. They always say the account is open and ready to go but it doesn't seem that way. I am having issues with them a netspend corporation phone number is XXXX. My account number is XXXX routing number XXXX and my secure flashpay number is XXXX. The name on the account is XXXX XXXX XXXX XXXX, I have two netspend prepaid visa cards connected ( 1 ) ending in XXXX ( 2 ) ending in XXXX. I am XXXX yrs old born XX/XX/1983. Last four of my social is XXXX. I reside at XXXX XXXX XXXX, XXXX XXXX Indiana XXXX. I can be reach at XXXX. Thanks for your time and I hope we can settle the matter.

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I pulled my TransUnion credit reports and found XXXX  had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However TransUnion shows the inquiry as a hard pull so I ma filing a dispute against XXXX  and TransUnion to get the inquiry removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation