BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to 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 2019-09-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: MN
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/2019, I received a response to my dispute concerning my XXXX XXXX equity loan. I questioned whether it was reported as a revolving loan, or as a mortgage loan, since I elected to close it as a equity loan. I signed papers to that effect, upon my decision not to continue the loan in its previous status. Equifax responded with a rehash of old data, identifying it still as a equity loan. during the same period of dispute, my credit score dropped over XXXX points. I contacted Equifax and no one can explain the why the discrepancy, or drastic drop in credit scores. My XXXX XXXX XXXX, Equifax published score was XXXX, Recent score on Equifax 's website for the same period was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Navient Solutions, LLC.
State: TX
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:
I took out a loan to attend XXXX located in XXXX XXXX, Texas. I took courses in XXXX XXXX and XXXX to retrain for a career. Originally, the loan was not through Navient but was later reassigned to Navient. The interest rate was exorbitant and the principal seemed to never go down. My payments only seemed to pay the interest amount. As soon as we could be approved to get a personal loan to pay off Navient we did. I no longer have " Student Loan '' but I do have a loan that I am paying on. I feel that I deserve to be a participant in any lawsuit settlements against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 customer service would not help and take care of the negative inquiries reporting to my credit report.I have no knowledge were these inquiries came from. I took the time to contact each company separetely and neither one could give me information where this inquiry came from. The only course of action they gave was to contact the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX And I bank with Navy Federal. I deposited a payroll check that was {$850.00} on XX/XX/2018 and the funds have not been released yet. I was told that it takes up to one business day and it has been one business day. This is the second time this has happened because it is a payroll check. I have set up direct deposit but that has not went through yet. I just would like my funds to be released I have important things to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with LoanCare on XX/XX/XXXX. They have had our authorization on file since XX/XX/XXXX. We were told today that LoanCare had contacted the borrowers mortgage broker that originated the loan, telling him that the borrower had stopped making payments and asking if they knew what was going on with the situation. 

By contacting the mortgage broker, LoanCare has released private information to a non-authorized third party and made an illegal attempt at debt collection. 

Unfortunately we have a lot of files with LoanCare right now and we are seeing a disturbing trend on all of these files where they are violating both state and federal law. Who is overseeing their training? My guess is No One. 

THESE ACTS ARE ILLEGAL AND A CLEAR VIOLATION OF THEIR SERVICING GUIDELINES. I want LoanCare fined the maximum of $ XXXX due to their purposeful and egregious ILLEGAL ACTS. ***This can not possibly be the only file LoanCare has done this on. I want them investigated for FDCPA Violations. Who else have they given out our clients private information to? 

CC : US House Committee on Financial Services Chairwoman XXXX XXXX. 
Attorney General 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 2019-11-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom this may concern, After opening a U.S Bank Business Checking and Savings account, with promotional code XXXX. I was told that in order to qualify for this promotion, I would need to do the following : " U.S. Bank is offering a bonus of {$400.00} when you open a new business checking account and complete the following requirements : Mention promo code XXXX Complete {$5000.00} in new money deposits within 30 days of account opening '' After opening up my account on XX/XX/2019. The banker who was assisting me told me that after opening both the checking and savings account, and depositing XXXX or more into the checking out, I would be paid a bonus of {$400.00} dollars deposited to my savings account within 60 days. 

I then proceeded to deposit the money off {$5000.00} on XX/XX/19. After waiting over 60 days I still did not get any type of bonus for on either one of my accounts. 
After contacting US Bank support, I was told that I was not eligible for the promotion due to not signing up during the promotion timeframe. Unfortunately their claim is not valid, since the banker, selected the promotion code as an option to be applied to my account and the end date for this promotion on his screen was TBD. Since expired promotion codes can not be applied after expiration date, the original support representative claim is therefore false. Since the branch where I signed up for the promotion offerings has closed down and the branch manager who signed me up has left the company, my only choice would be to file a complaint. I have since taken other measures complimentary to the complaint where I reached out to was to my local branch and they have filled a request : XXXX I hope that this issue can get promptly resolved, where I can still have satisfaction in doing business with U.S 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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Bank of America credit card on my credit report. I was never approved for a credit card. I filled a dispute with XXXX  and Bank of America responded that the charges are valid because the application was filled with my information. 
I was never approved for a Bank of America credit. I only find out about the existence of the card when I received a report from the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Account status incorrect

Complaint:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.

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 2018-06-12
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX  ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, XXXX XXXX and EXPERIAN requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX and Experian uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/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 2018-06-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I.Q. IS IS IGNORING THE THE CEASE AND DESIST ORDER IN VIOLATION OF FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Invalidated/unauthorized inquiry Results of the XXXX data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from 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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
TransUnion is reporting a collection that is not mine. The Collection agency is XXXX in XXXX Montana claiming a bill is owed to XXXX XXXX XXXX for {$250.00}. The other two agencies, XXXX and XXXX already removed. XXXX sent me a bill, that shows XXXX XXXX in XXXX is who owes the debt, NOT me, XXXX XXXX in XXXX. XXXX is also spelling my name as XXXX XXXX. 

Please get them to delete this per FCRA as it is inaccurate. 

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent out debt validation letters to XXXX, TRANSUNION, XXXX XXXX and XXXX  requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, TransUnion and XXXX  uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/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 2018-02-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yes back in XX/XX/2018. They closed my account due too inactivity. I did nit know you had too use card right away. I'm hoping they can at least get it deleted from all 3credit bureaus. Or if not give me the credit back. I'm on XXXX going thru hardship due too corona viruses.

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