BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Zions Debt Holdings
State: LA
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:
In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name Zion 's Debt Holdings, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with XXXX, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to Zion 's Debt Holdings, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to Zion 's Debt Holdings, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
PenFed is reporting to inquires on my credit file that I did not authorize. I have a fraud alert set up on my credit file and I did not receive a call to verify any information. Therefor I did not authorize theses inquires.

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 2021-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Synchrony Care Credit Card. I had an existing balance of XXXX dollars that is charged interest until paid off at XXXX dollars per month. I have paid extra before a new charge of XXXX at no interest for 6 months. This is illegal and I have spent day waiting for higher up Synchrony Managers that told me the Synchrony Employees were wrong that I was correct. I can pay my regular XXXX dollar payment and XXXX toward no interest. First, I was told by lower XXXX to call each month and spend hours on hold after I make payment to get it reapplied or do it in 6 months and I said no I am XXXX this is unacceptable they refused other payment process as well just so that I can be cheated and never received the 6 month promotion of XXXX They told me pay XXXX for 6 months if you want and XXXX regular. They are not equipped to handle the promotion they offer. I want this fixed. I was charged XXXX dollars interest as part of this illegal scam. They are now saying they have no way to fix this even though the low manger said they would but higher manager said they must apply payment in excess of XXXX regular payment toward no interest. The do not understand my middle name is XXXX. That my full legal name is XXXX XXXX XXXX and when I say my name is XXXX XXXX they ask if I go by another name. I said you use my middle name but people say first and last name. This is my full legal name. The manager in XXXX told me he has no means of fixing this while telling me to call after making payment not when tryign to make payment or other means. This is nothing but a fraud scam. This is severe consumer fraud.

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 2020-06-23
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:
I have been reaching out to XXXX and Transunion regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both XXXX and Transunion continue to Update this information from XXXXXXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for 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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: NY
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 have 16 hard inquiries when I only had three cedit cards non eof these were approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted XXXX XXXX in XXXX stating I was having financial difficulties and asked if I had the insurance to cover payments. It was explained to me that I did not have the insurance. I asked what my options were. The only option was to have one payment deferred. I went to the location to sign papers to have my payment deferred. My paperwork for the deferment was misplaced and I kept receiving phone calls until the found the paperwork. I called in XXXX asking for another option. I was told there was no other option except to pay. This account is now four months behind. I would like for XXXX to work with me until I am able to start a regular paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was asked if I wanted a payment made. to apply later once. But now it appears the company started giving the apply latter category to me from then on, thus throwing off my ability to know when payments like {$700.00} and {$200.00} are really applied. Thus, throwing off my calculation of payments. All pay should have apply immediately as possible, not constantly apply later. This is deceitful to bait once and keep doing. I need my payments applied as soon as I pay them, not baited for delay. And, if I went into unnecessary debt I want to be reimbursed. If my alerts were mis handled I want them properly recognized and acknowledged like all people no matter what race we are.XXXX trends need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I leased a vehicle with XXXX XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to XXXX sending a retired employee that was no longer employed by XXXX. I uploaded the proof with experian on XX/XX/2020 from XXXX mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.

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 2018-12-14
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I recieved a Chase XXXX rewards card. I never applied for the card and dio not want one. I called Chase and after 11 minutes, I finally spoke to a customer service person. I asked why they sent me the card and she said I must have requested it. I told her I did not. She ask for my Social Security numbere and I told her I didn't want to give her that personal information. She told me that if I didn't give her the information, she would not process my complaint. 

I can't understand how a company can use my personal information to send a credit card I did not ask for. I don't know who is to blame, Chase or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
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: Information belongs to someone else

Complaint:
I believe I have a mixed file ( or possibly identity theft ) on my credit report. I just ordered my report with Experian and realize there are addresses, name & account that do not associated with me. 

Below are two accounts that is not associated with me XXXX   XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX Name that appear on my credit report : 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 2017-08-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They give the run around refusing to give me data when they made so many mistakes.Making changes to work against me and my family causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, 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:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: CT
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:
In XXXX of XXXX, I made a settlement offer with XXXX for XXXX payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: AmeriHome Mortgage Company, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
amerihome Mortgage erroneously included an extra insurance policy into my escrow whereas I only have one policy. Because of that, my monthly mortgage payment has increased by more than {$100.00}. I have called them 5 times and emailed multiple times and they have not corrected the escrow and monthly payment. It has been about 3 months and they completely ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX of XXXX, my Chapter XXXX bankruptcy was discharged. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

XXXX and Transunion are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at XXXX said he was completing the paperwork that should resolve the issue within XXXX days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than XXXX and Transunion scores XXXX 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

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 2021-05-01
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spent countless hours trying to resolve an already settled debt for {$1100.00} owned by Receivables Performance. I have called them during business hours two weeks in a row with no answer or call back after leaving a voicemail in addition to sending emails and written communication to request any information regarding the debt that they state I owe. The debt collection company does not answer or acknowledge my communication, nor have a way to make a payment ( even though this was settled in full with the previous debt owner ). This company is horrible and needs to be shut down. They are ruining my credit and no matter how many times I dispute via the major credit companies ( XXXX, XXXX, etc. ) it is added back to 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 2018-06-24
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX  XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both Experian AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.

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 2020-07-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have been a longstanding Wells Fargo customer since XXXX. I applied for a personal line of credit XXXX. I was making monthly payments which included a automatic payment discount. XX/XX/XXXX, I was laid off from my company after 20 years. In XX/XX/XXXX, I called Wells Fargo regarding my upcoming payment due XX/XX/XXXX as I knew that I would not be able to make the payment as my severance was exhausted and I would have to seek unemployment assistance. Since my account was current, no one wanted to work with me. I was assessed a late fee and NSF fee for that month. In XXXX, I called again to get the payments from auto pay because I did not want to continue to be assessed a NSF fee. I was at the time given a payment extension. Due to Covid-19, I was given another extension until XXXX. Now, I am set up to pay but was told they could not waive the NSF fee nor would I qualify for the relationship discount of 0.25 %. This doesn't in any help customers who want to pay but because of hardship are not able to. I wasn't fired. I lost my job with no fault of my own. As I am now trying to get back on my feet. It would seem to me that Wells Fargo would be more understanding considering all the heat they have taken over the years for their own wrongdoings. A fee is above/excess what is due. They make billions on fees. I am not asking for anything unreasonable, just being fair. Or just showing real customer service. Customers want help when they need it.

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