BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

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 2021-11-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 5 credit cards with synchrony bank amazon that was opened XXXX pay pal that was opened XXXX Qvc that was opened XXXX XXXX that was opened XXXX care credit that was opened XXXX I was never late on any accounts and paid balances off early for some reason the company closed all accounts with them which caused my credit score to fall rapidly again I was never late and they closed account as soon as I paid the balance for no reason

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 2021-05-24
Company: Experian Information Solutions 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 contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores. The problem has already been resolved on my XXXX and XXXX 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 2018-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent dispute letters to XXXX, Experian, and XXXX since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.

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 2018-10-16
Company: Nelnet, Inc.
State: AR
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:
XXXX University XXXX had sign the Master Promissory Notes on XX/XX/XXXX and XX/XX/XXXX when I was not enrolled in their school at that time frame and took out eight loans without my knowledge four loans on XX/XX/XXXX XXXX and {$2900.00} that was split into XXXX XXXX that had continued on with four more loans on XX/XX/XXXX {$17000.00} and {$2900.00}. The school kept the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My account was closed by Synchrony Bank in XXXX of XXXX for no reason. As a matter of fact, every account I had with Synchrony Bank was closed with no explanation. It was clear to me that the account was closed because I was a minority. After reading information on line, they closed a lot of people accounts for no apparent reason. As of XX/XX/XXXX, I made 100 % of my payments with all of my creditors on time. 

After Synchrony closed my accounts, I had to figure out how to pay the full card balances off at one time. So, I paid the lower card balances off first which included the following : Care Credit, JC Penny, Belks, Ashley Furniture, and Lowe 's. I missed payments on the other accounts because it was very difficult for me to come up with the full balances on these accounts. I was left with money being owed on my TJ Maxx, Paypal Credit, Paypal Mastercard, XXXX XXXX, and my Sam 's Credit Card. 

I spoke with a representative from Synychrony Bank about a settlement offer on my other credit cards. They agreed to make a settlement, but refused to send me a letter upfront with the terms of the settlement. I was told by a Supervisor that once the settlement was paid in full that I would receive a letter from them within 30 days. A total of {$760.00} was paid on XX/XX/XXXX. As of today, I have not received the settlement letter in the mail. In fact, in online account still reflects a payment that needs to be made by XX/XX/XXXX. 

They have been unethical practices in banking on their behalf. I am not sure on what rules they have violated, but I do not that this was false or misleading representation on the companies part, unfair practices, and abuse of power to say the least. 

As of today, the debt still appears on my credit report, a monthly payment is still owed, and I have not received a letter of the " good faith '' arrangement that was made with them as of today.

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 2018-12-04
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I submitted an Employment Certification to support my Public Service Loan Forgiveness ( PSLF ) application. After XXXX  updated the number of payments I have made under the program, I noticed they were missing six payments. I immediately alerted them by calling them to verify which payments they do not show being made. Once that information was verified, I uploaded a letter with attached bank statements showing that the payments were in fact made. I then called a few days later to verify that they did receive my letter and to inquire when the process would be complete. I was told that it would take 7-10 business days. I called 10 business days later and was informed that the case was just assigned and it would be complete on XX/XX/2018. However, as of XX/XX/2018, the payments had not been applied and there is no notice that they even processed my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness. 

Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed. 

The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them dated 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 2018-06-29
Company: Innovative Funding Services, L.L.C.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This is an associated complaint with IFS and XXXX XXXX XXXX XXXX XXXX. IFS brokered this loan. 


I applied for a loan with Innovative funding services to attempt to get a lower auto loan rate. I believed IFS was a direct lender they are not. My loan was placed with XXXX XXXX XXXX XXXX XXXX and that is where the issues began. I was charged {$400.00} to obtain this auto refinance. XXXX XXXX XXXX XXXX XXXX will not allow external accounts to be added to their web site. You have to pay by debit card and there is a {$15.00} fee, furthermore when I attempted to refinance out of this auto loan they ( XXXX ) took a {$2500.00} payment from me with my permission and I was charged XXXX by my other bank. They did not inform me this would be considered an OTC cash advance. This credit union is a very deceptive institution and should not be allowed to stain the XXXX XXXX name. Being a XXXX XXXX veteran myself I have watched these institutions prey on XXXX XXXX and veterans for many years. This credit union never offered GAP coverage or a warranty. Their APR is almost % 10 which is ludicrous. They need to disclose their fees and the fact you can not add an external account making a payment difficult. I am still awaiting my title from this institution as well and they say that IFS is handling that. When contacted IFS states they took care of it. XXXX XXXX XXXX XXXX XXXX and IFS should not be allowed to take advantage of consumers in this way. IFS does not accept direct payments so to get out from under this nightmare I refinanced again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I NEVER authorized XXXX XXXX XXXX to pull my credit. I am not sure who but I personally did not. 

I authorized XXXX to pull my report but only 1 time. It was pulled twice. Once on XX/XX/XXXX and again on 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 2018-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
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:
This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I was shocked and alarmed when I received my credit report. 

Creditor : WELLS FARGO MORTGAGE ACCOUNT # XXXX I was never late 30,60,90 days on the date (XX/XX/XXXX) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I suibmitted a dispute to Equifax on XXXX, they have failed to respond to my letters sent to them, and I am now demanding a full investigation. I am attaching the letter I sent on XXXX to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Around the date of XX/XX/2020, I submitted a FTC identity theft report to remove fraudulent items off of my consumer report. 

When the credit bureaus corrected the necessary information, in XX/XX/2020, a company named Caine and Weiner somehow found my location information and communicated by post card to address me of an alleged debt. 

Caine & Weiner committed identity theft by obtaining my personal information that I did not directly provide to them or give them any consent to contact me. 

In the letter, they violated the The Fair Debt Collection Practices Act by using false, deceptive, or misleading representation or means in connection with the collection of any debt. They also used profane language amongst other violations that are listed below. 

Actions that were taken by me to the company was that I sent certified mail in the form of an affidavit of me notifying them that they are a debt collector according to the FDCPA ; that I'm a consumer and that they violated my privacy as well as communicated that they have violated multiple federal law codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was an account opened fraudulently at PNC that I have contacted the bank several times about and they refuse to help me with it. They won't put me in touch with the fraud department or send me any information. This account is now reporting as mishandled and has caused my accounts at other banks to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
After reviewing my current credit report as of today XX/XX/2020 through XXXX. I've notice that the following accounts are in continuously reporting of violation of FCRA rules section 1681. Of multiple inaccuracies and inconsistency.

: Account under the name : ( XXXX XXXX XXXX ), Original creditor ( XXXX XXXX XXXX  ) violations for not reporting consistently. Nither XXXX  or XXXX  reports this account. Unverifiable Account, & must be removed in addition furnisher must be blocked from future reporting. As per section 1681 of FCRA and Section 809b of the FDCPA.

Account under the name ; ( XXXX XXXX ). This account doesn't look familiar. I am not saying Account is fraudulent but I do not recognize this account. And Creditor can not accurately validate Account. A violation of FCRA rules section 1681.

Account under the ( XXXX  ) this account is currently reporting inconsistently. Account does not appear to be reporting on either XXXX  or XXXX  this is a violation of FCRA rules section 1681. 

Account under the name ( XXXX XXXX XXXX ). Account balance & credit limit is inconsistent and inaccurate. Violation of FCRA rules.

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 2018-03-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email from Wells Fargo XX/XX/XXXX that asked me to activate my new credit card. 
I called and asked why I was getting a new card, when my card would not expire until XX/XX/XXXX. 
I was told my account was upgraded to a " XXXX '' credit card. 
I never received the new card. 
The new card has the same # as my present card. 
The new card could not be cancelled without cancelling my old card. 
I had to cancel my card, order a new one, and now have to change > XXXX auto-payments. 
I never asked for a new card. I never asked for an " upgrade ''. 
I was told by a Wells Fargo rep that I was sent information last year that I could opt out of the upgrade by XX/XX/XXXX. 
IT IS NEVER ACCEPTABLE TO CHANGE THE TERMS OF AN ACCOUNT LIKE THAT. ALL CHANGES NEED TO BE OPT IN. 
I was told by a customer service rep that there have been numerous complaints regarding opt out vs opt in, yet Wells Fargo has not changed their procedures.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeadtly told them to atop calling and disputed the accounts and have them removed several times. They won't stop.

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 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC

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 2020-05-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I do not agree with Synchrony Bank 's forced arbitration agreement on the Amazon credit card. I tried to cancel on the phone, but the phone representative from XXXX was hard to understand combined with its cheap VOIP phone line going in and out made it impossible to tell if they really cancelled my card.

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
{$62.00} paid confirm -XXXX paid today 2 months plus late fees. I have been unable to get through your automated system hence late fees. Disturbing - please call back, extensive wait times etc. I and perhaps many penalized for your system failures. hank you for contacting Kohls. 

Regrettably, this email address does not accept replies. If you have a question regarding the communication you have received, please contact Kohl 's at XXXX. We appreciate the time you took to contact us and look forward to serving you again. DO NOT REPLY TO THIS EMAIL. 
CONFIDENTIALITY NOTICE : This is a transmission from XXXX XXXX XXXX XXXX XXXX XXXX 
and may contain information which is confidential and proprietary. 
If you are not the addressee, any disclosure, copying or distribution or use of the contents of this message is expressly prohibited. 
If you have received this transmission in error, please destroy it and notify us immediately at XXXX.

Company response to consumer: Closed with monetary relief