BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
To Whom it May Concern : I am putting in a complaint because Sychrony Bank ( Care Credit ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to Sychrony and the credit bureau to get this matter resolved because its highly effecting my credit score.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive several calls a day from XXXX for no reason. XXXX reveals that they call people several times a day to harass them about collections. My phone is setup to reject their calls by allowing only a single ring so I never talk to them. Even so I get several calls a day 7 days a week. As for collections, my credit is perfect with no reason to be getting any calls from collection agencies such as XXXX. 

Any help with stopping such calls would be appreciated. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is my 3rd attempt at trying to resolve this matter with XXXX XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX xxxx XXXX Account Number : XXXX xxxx 496 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX XXXX XXXX : XXXX xxxx 6271 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, 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 2021-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. Received phone call from XXXX XXXX XXXX. They stated that I owe debt to Synchrony Bank with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX Walmart card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to Synchrony Bank why was I never contacted about this debt since its from 2016 and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.

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 2018-01-19
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to XXXX XXXX. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report. XXXX XXXX has since deleted this debt from my Credit report, however XXXX or Resurgent is not willing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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:
Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap

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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: OH
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:
CB/VICSCRT XXXX Date Opened XX/XX/2016 Balance {$0.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA. Your agency needs to look into this account to verify every single piece of information and to see if this account is verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received an unsolicited credit card from CBNA/Sears and it shows a balance of {$67.00} that is now showing up in all three credit bureau reports as a new account. I received the card in the mail and called them immediately to cancel it. They told me that they did. I did not apply for a credit card, I did not purchase anything for {$67.00}, so this is a fraudulent transaction.

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 2021-05-10
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:
To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you

Company response to consumer: Closed with explanation