BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I order a XXXX XXXX on XXXX from HSN.com ( credit card from Synchrony Bank ). 
In XXXX Synchrony close the account, HSN send me an e-mail to put a credit card to make payments. The XXXX XXXX  was for {$190.00}, first payment of {$49.00} was paid on XXXX and the rest was paid XXXX each month until XXXX of XXXX. I don't have all the dates I call HSN and Synchrony Bank but each time I call hey said it was been recorded. Each time I call either one they transfer me back and forward. I told Synchrony Bank they need to get their money from HSN.

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 2018-04-11
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 

1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX Reported an account in tantamount of XXXX.to all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. Thry have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from EXPERIAN AND XXXX Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or reclaiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information and I request that EXPERIAN AND XXXX Credit Bureaus must investigate and delete fraudulent items in my file.

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 2021-07-29
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 non-monetary relief
Consumer complaint received 2020-12-17
Company: WELLS FARGO & COMPANY
State: NY
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:
I have requested help previously with my wells fargo account Account # XXXX in regards to a late reported to XX/XX/2020 which occurred during the unprecedented time which has impacted me. Along with that A financial accommodation was made for the late payment in XX/XX/2020 fees were waived. On the latest credit report it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 )

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.

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 2020-09-11
Company: Dovenmuehle Mortgage, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had to file bankruptcy in XX/XX/XXXX I reaffirmed with my mortgage company the servicer is Dovenmuehle. Ive been requesting a modification and rate since XX/XX/XXXX. Ive supplied them with all the paperwork my W-2s my pay stubs letters everything they ask for in XXXX with no response and again in XXXX with no response. Ive paid my payment since I bought the house in XXXX on time every month. They initially called me on the phone and asked if I want to do a forebearance I told him no I wanted to modify my rate they still put my mortgage in forbearance I continued making my payment and have paid it again since XXXX on time every month. They sent me paperwork today for another forbearance which I never requested and told me they were putting my mortgage in forbearance. Ive tried to reach out to them by phone and you wait on the phone for 25 minutes to an hour no one ever answers the phone. They just keep sending me modification packets to complete but never have responded from XX/XX/XXXX or XX/XX/XXXX. I did talk to them on the phone in XX/XX/XXXX and they told me they had all the documentation they needed for my modification request I never heard from them I called again and theyre trying to claim they didnt have the correct documentation. Their website showed four months they had all the necessary Documents. Isnt there some type of law if theyre going to decline my modification that they have to respond to me within so many days and let me know theyre declining my request. The rates are at an all time low and they just seem to be playing stall games about my modification request. My taxes and insurance have went up my payments increased by about {$200.00} since I bought my home and since XXXX Ive been in the hospital twice which Ive expressed to them how important the rate modification is to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
AARP is transferring their credit card from Chase Bank to XXXX They gave a broad range of interest rates to expect, from a single digit number to a double digit number with about an 18 point spread. There was no choice given to consumers regarding whether they would like to stay at Chase, or have their card moved. 

Phone calls to AARP regarding the lack of interest rate figures were referred to XXXX. XXXX had a phone number loop set up so that every call eventually went back to the same office regardless of the bevy of numbers I obtained. No one would give even a smaller range of interest rates to expect. 

Who on earth would transfer to a credit card that did not give an interest rate up front? 

AARP appears to have become yet one more agency that fell in love with fame and fortune and forgot their commitment to advocacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: AES/PHEAA
State: ME
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:
I have multiple payments on my account that are determined to be ineligible toward PSLF due to the reported reason of 'You Do Not Have a Bill Due For this Payment Period. ' However, PSLF does not state that a bill needs to be due, but instead that 120 payments are required to be made toward the loan.

I have 2 federal loans - a direct unsub loan & a direct sub loan. I get one bill each month that includes both loans. One of the 'ineligible " payments is dated XX/XX/XXXX with the above reason - 'You Do Not Have a Bill Due For this Payment Period. ' However, the payment counted toward my direct sub loan but did not count toward my direct unsub loan, despite both having on

ly 1 bill that includes both loans. Two of my ineligible payments from XX/XX/XXXX continue to state 'Pending Manual Review ' despite it being 8yrs later. 

Attached is the information for my ineligible payments as well as documentation demonstrating payments, despite reports of not having bills due for the period. My loans have traded hands multiple times and so I do not have my full history of payments ; however the ineligible payment in and of itself demonstrates that a payment was made. 

Thank you for any help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
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: Personal information incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this. 
XXXX XXXX XXXX CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$20000.00}

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 2020-01-06
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: Account status incorrect

Complaint:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I FILED A COMPLAINT ALREADY. I HAVE HAD MEDICAID FOR 19 YRS. THIS SHOULD NEVER HAVE BEEN BILLED TO ME. I WAS NEVER NOTIFIED OF THIS ACCT I HAVE CALLED THEM AND THEY REFUSE TO RESPOND. ITS MY RIGHT AS A CONSUMER TO HAVE THIS ACCT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never applied for Navy Federal Credit card, I reported my identity was stolen previously to the Police and the FTC and there was no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been reaching out to Tran union credit reporting to dispute some information that is on my report inquiries that I did not give permission to be done they refused to remove them I put a freeze on my report information on there I didnt do I was able to talk to the fraud department they told me to send my license and a letter to them never heard anything back now I am not able to dispute online or by calling here or the dates on the inquiry

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 2019-11-02
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original owner of account is XXXX XXXX. I got notification from XXXX XXXX just recently that the account was SOLD to Midland Funding. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. Midland Funding is reporting inaccurate information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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:
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX throughXX/XX/XXXX I paid my student loan to XXXX XXXX  which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement

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 2019-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account online with Chase Bank in the early part of XX/XX/2019. It was a product called " The Secure Checking Account ''. About one week into my newly opened checking account with Chase, I called the bank to find out what my account balance was only to find out that my account has been frozen by their Loss Prevention department and without any explanation. The customer service representative then transferred me to the Department that made the decision to close my account so that I could get some information as to why it was being closed. When I finally got someone to answer the call, I asked them why is my account being closed because I didn't have a negative balance and I had bounced no checks since my account had been opened. The response had been that the account was sent for a review and the decision has been made by the bank to close your account. That was the only answer that I received from them. The bank refused to give me a valid reason for this unjustified and extremely unprofessional way of handling my new account with them and to treat me in such a way that made me feel like I was a criminal of some kind. I even asked them for the reason that made them decide to close my account so abruptly, and the only response that was given to me was that they would not tell me the reason why it was closed. The Bank refused to give me a valid reason for the closure of my account and they went on to further tell me that I will never find out why this was done. My account was in good standing while it was opened and it was never negative or never had I bounced any checks during this time. This is completely unfair, unjustified, and completely discriminatory of them to do such a drastic and harsh thing to me, and not even get an explanation or any kind of reason for this closure. This is definitely not right and I feel like I was totally singled out and picked on by the bank for no valid reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for Care Credit in XXXX, in XXXX the XXXX  pandemic shut down everything so I wasn't able to use card. In XX/XX/XXXX I was struck with XXXX  & XXXX  XXXX XXXX  members. I was cleared, but XXXX  XXXX  again in XXXX. I went to use my card in XXXX & my card acct had been closed. 

I called a representative they gave me a 800 number but it dies not give me a reopen Acct rep. I've tried repeatedly to reopen this card. How can they close a card for no use in XXXX in XXXX & XXXX  XXXX  in 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