BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting 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:
My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score.

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, 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 explanation
Consumer complaint received 2023-04-15
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
these loans are fraud and ive have r	he right to recission when fraud is apply to the contract... .usc 15 1611 willful and kownly committing fraud im giving then 20 days to send ne a payoff letter or have the inspector general file a lawsuit and then ill see them in court these loans should been discharge when the lawsuit was settle plese see attach paperwork

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX, i signed a lease from XXXXMONTEREY Financial Group. i was financed for the purchase of {$1800.00}. My first payment, at the store on date of purchase was {$440.00} with 27 payments of {$150.00}. the first payment was set for XX/XX/XXXX. the account they tried to pull from was insufficient. unknown to us that it was auto draft, we tried to pay the {$150.00} with a different account on XX/XX/XXXX. they did not take the money until later in the month ( 3 weeks later ) and then claimed a {$20.00} late fee for the next billing cycle. i agreed. on XX/XX/XXXX, they pulled {$270.00} from my account and of that, {$52.00} came from my savings account. i called and they claim i agreed to that and would go over the last call to verify. my contract says to pay {$4300.00} at the end of lease, but the numbers do not match my account on their website by several hundreds of dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Monday XX/XX/XXXX XXXX and XXXX I received text from Bank of America that said my sister sent me money with XXXX. According to XXXX if someone sent me with XXXX I can get it right away so when I ask the bank said 1 to 5 business days which is against XXXX agreement. So the has to pay me inconvenience fee for left me without fund holding my money without any reason if not I'll XXXX  the bank.

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 2021-02-02
Company: California Business Bureau, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Northern Arizona Creditors Service, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2020-01-04
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone was able to use my account and go to various other banking locations such as XXXX XXXX XXXX and XXXX XXXX XXXX and pull funds depleting my account. They depleted about 1500 dollars. I went into the office talked with branch managers and even filed a police report and nothing was done. I ended up having to close my account with this bank. They did absolutely nothing to help me and they didnt even check out my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. 

Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. 
We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. 

I complied with their request with providing the purpose of the payment and it is currently pending. 

The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. 

My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. 

XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. 
I have already informed them that I will be filing a complaint to the FTC. 

The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. 

The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. 

I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. 

The larger concern is that they XXXX are auditing comments and invading consumer privacy. 

I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. 

If you require additional information, I will gladly share all of my correspondence with XXXX  regarding this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report to only find several inquires on my report that is not mine and they need to be removed. They were fraudulently applied. I also have several addresses that are not mine and needs to be removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: ProCollect, Inc.
State: MS
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:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am making this complaint on behalf of myself, and not through a third party. 

I have been trying to resolve this issue with XXXX since XX/XX/XXXX. I sent them a letter for them to validate the debt they claim I owe on XX/XX/XXXX. They did not respond with what I requested and what is required by law. I've submitted several CFPB complaints along the way as this company continues to violate me. They closed my account, used all of my reward cash, have reported late payments and charged late payment fees on charges I have been disputing. I am a victim of identity theft and reported that to FTC in XX/XX/XXXX. I have since then sent an Affidavit of Truth to Discover requesting response in affidavit form attempting to rebut my claims made. They have not responded and no further action to resolve this issue has been taken. I included exhibits with the affidavit detailing laws they have broken and an invoice for each. This situation causes me immense amounts of stress every day and is causing my credit score to drop to poor levels further compounding the negative effect this company is having on my life. I have included everything I have done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: SYNCHRONY FINANCIAL
State: FL
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 a hard inquiry on my credit score from Synbc for filling out a care credit application which was denied and now its affecting my credit score. I want this 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 explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, EQUIFAX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022. I recived an alert from XXXX that Synchrony Bank had checked my XXXX credit report. 

The following is the credit inquiry listed on my XXXX report : SYNCHRONY ACCOUNT REVIEW DATE : XX/XX/2022 Institution Information SYNCHRONY ACCOUNT REVIEW XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I attempted to reach out to Synchrony Bank several times on XX/XX/2022 and spoke with multiple representatives. I was transferred back and forth between the fraud team and the customer care team. I was able to speak to " XXXX '' with the fraud team who advised me there was no applications in process with Synchrony Bank. I also verified with XXXX that no reviews were done on any accounts. " XXXX '' advised me to reach out to the credit agency who alerted the inquiry. I have notified XXXX that the inquiry is fraudulent. The number listed on the inquiry ( XXXX ) is a number I am unable to reach, the phone line just keeps ringing. 

This fraudulent inquiry continues to remain on my XXXX report. This inquiry is UNAUTHORIZED. I hereby demand Synchrony Bank to notify XXXX of the removal of the inquiry. 

This inquiry violates the FCRA under section 605B ; results from identity theft. 

Please notify XXXX to remove the unauthorized 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 2018-01-15
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital one account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( 1 ) XXXX XXXX XXXX XXXX ), ( 2 ) TD AUTO FINACE, ( 3 ) XXXX XXXX I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call today from XXXX XXXX XXXX XXXX in XXXX FL the phone was dead and there was no indication of who it was. When i called back, i spoke with a person who wanted information from me but would not give any specific information to me so I could validate my debt. She was rude and said I owed {$940.00} for a visit to an emergency room on XX/XX/XXXX!!!! Its XX/XX/XXXX!!!. I was not given standard disclosure about collecting a debt and I hung up on her. Then I called the hospital who then referred me to the emergency room doctors. I then called the emergency room doctors business office and they told me that there was a mistake that I owed {$200.00}!!! The doctors didnt know why the collections agency quoted {$940.00} nor why they waited till 18 months to collect any debt!!! I told them I never received any bill from either the collections bureau or from the doctors office - to wit the doctors office said it was returned as undeliverable -!!! Thats impossible as this house has been here 200 years and I have owned it since XX/XX/XXXX. I paid the doctors {$260.00} on the phone today- but I am suspicious that this issue wont go away and that my credit is affected.

Company response to consumer: Closed with explanation