BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is associated with Wells Fargo Bank. I have had multiple accounts with Wells Fargo including a VISA credit card. Over time, I accumulated points by using that card. Recently I attempted to redeem rewards online without success. I went to a local Wells Fargo Bank to find out what was going on. I was told that Wells Fargo closed my VISA account. They maintained that I hadn't used the account for some time and that they sent a letter to me notifying me that the account would be closed. I have no knowledge of any notice and, according to my card, it is not set to expire until XX/XX/2018. The person at the branch was also told that since my account was cancelled, all of my accumulated points were cancelled, as well, even though my online account still states that the points are valid. The person at the branch attempted to get a copy of the letter purported to have been sent to me but was told that a copy of that letter was not available.

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 monetary relief
Consumer complaint received 2018-09-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018 at XXXX I spoke to the customer service department for my Walmart Credit Card which is funded by Synchrony bank. I informed the representative that I was not happy with my credit card account and I felt that something unfair was going on with the card because I have not used the card in several billing cycles and I also make payments that are over the minimum amount requested.I noticed that in spite of not using the card in several billing cycles and making more than the minimum payment the available credit on the card is not increasing with each posted payment but actually decreasing. I explained to the rep that I have really good payment history and that I don't feel this is fair to do to me and to please see if their is something she can do with the APR to help me out so when I actually pay my bill I should have available credit to use. Their rep responded with " We don't help out anyone with their interest rate '' " It just takes time to pay off '' That seriously is the dumbest answer and biggest lie that I have ever heard. None of my other accounts with other institutions do this. I feel the company is basically stealing from me.

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 2022-10-27
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Myself and my lawyer XXXX XXXX XXXX XXXX XXXX XXXX   have been trying for almost a year to get items removed ( that should not be on my credit report ) aswell as to actually trying to speak to someone regarding my report. My lawyer has contacted equifax many times on my behalf, I also have contacted them, to discuss the issue and to get an updated credit report. Since writing this I have requested a credit report three separate times over the past few months and still have not received it?! Also my lawyer has sat on the phone trying to get the information and she has been told that information can not be given to her without my consent, which I have given. This matter has cost me greatly, I have had to take a higher interest mortgage in XXXX of this year because of lack of communication on the part of Equifax.The items that were supposed to be removed after my lawyer working on this for months, STILL have not been removed to our knowledge as for some reason equifax will not provide an updated disclosure. My lawyer and I are considering my options which do include suing the company regarding the matter. I would appreciate if someone got back to me regarding this most stressful issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: NC
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:
Credit report contains incorrect birthday of XX/XX/XXXX the correct birthday should be XX/XX/XXXX. Name on credit report shows as XXXX XXXX XXXX, name should be XXXX XXXX XXXX XXXX Also, credit accounts show on credit report. Report should show at least two loan accounts with XXXX XXXX XXXX XXXX XXXX. There was previous fraud accounts on this report which got wiped clean however now the correct loan information does not show either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: CA
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:
Wife took out a loan from Citybank for XXXX, For our sonXX/XX/XXXX,XX/XX/XXXX We has to file bankruptcy due to the economy.We made payments when we could.Around XX/XX/XXXXCity bank sold our loan to XXXX.Which would not work with us, We now owe twice the amount due to interest.I believe When my wife took out the loan it should have been a private loan.I believe this is not fair to owe twice the amount from the original loan amount, And no one will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX  advising that the following hard pull inquires are not authorize by me : XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the month and date of XX/XX/2018 it was reported on my credit report that I was delinquent 60-89 days on my account when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank, but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a personal loan because of this mark on my credit and the company will not help me with this unpair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts. Please remove 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
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, XXXX is reporting inaccurate information on my credit report with Experian. XXXX  and XXXX  is reporting exceptional payment for my account history. XXXX is reporting with Experian negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with Experian as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.

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 2023-08-04
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have lost my job and my cosigner is retired and they will not work with us on payments, but I asked them to cease and desist calls my cosigner advised they keep calling. I also need a lower payment so that I do not mess up my credit while I am actively looking for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: SAMC Honebee TRS, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to complaint : XXXX The servicing company GMFS customer service has been extremely unhelpful throughout this process. My husband and I are trying to payoff his parents mortgage which is held by XXXX XXXX and serviced by GMFS. Every time we call we are getting the run around and not any guidance or ways to help. We were able to resubmit the wire since XXXX withdrew the wire due to lack of all of the information. My husband resubmitted the wire and got confirmation that it was accepted. He then called GMFS to confirm receipt and they said it could be 24-48 hours to give us any information as to if they even received the {$57000.00} in payoff. I am so frustrated with not having anyone truly help us confirm anything. 
After my calls on XX/XX/XXXX inquiring and looking for guidance which I got some rude customer service rep for the 4th time, I received a text from a XXXX which is an Arizona number right after the customer service rep ended our call. She text the words " XXXX XXXX XXXX and when I responded pretended to not know who this was. I can confirm the call center from GMFS is in Arizona. I am attaching the text and also all of the other information to the original complaint. The woman the I spoke to that I think was the name XXXX or XXXX. She would not give me her NMLS ID or last name.

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 2017-09-14
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX/2015

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 2020-07-24
Company: EQUIFAX, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX FED CU XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I established a mortgage with an escrow account with Huntington Bank on XX/XX/XXXX. The first installment of my taxes was due on XX/XX/XXXX. I received the bill, which I faxed to them at their request on XX/XX/XXXX. I have subsequently called to follow up on payment of the taxes ( most notably on XX/XX/XXXX, to inform them the tax bill would be delinquent if not paid, and XX/XX/XXXX, the date they indicated the issue would be resolved ). The tax bill has still not been paid, which they have stated is a system issue on their side. However, the tax bill is accruing interest. When I inquire about who will bear the interest costs due to nonpayment, Huntington has informed me on both the XXXX and the XXXX that this will be " researched '' after the tax bill is paid. This is not acceptable to me. I pride myself on having great credit and on paying my bills timely and I will not accept responsibility for any late charges or penalties that are a result of Huntington 's inability to figure out how to pay the taxes through their system. My escrow is fully funded and had more than enough funds to cover the cost of my tax bill on the day it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I received a credit report dated XX/XX/2020 with confirmation number XXXX. On this reports the information supplied was in reference to a dispute. Equifax returned the report showing the former address removed. The Issue is on my digital report I have confirmed by using to services still show this information on my Equifax credit report. have been working to have information on my credit report to report accurately. Please find the attached information, a copy supplied to me by Equifax that shows the information in question deleted on the report supplied. The information is still published on my credit reported and would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
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 recently submitted a request for an investigation of the disputed items, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation