BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We took out a home improvement loan for the installation of new windows. The installation of the windows were not done properly and damaged. I was contacted by the XXXX XXXX after the installation was done, asking if I was satisficed with the installation, which we weren't. I contacted them via their website customer service link and said so and, do not fund the loan. I was waiting for the window company to respond to my complaint. I than called them, because I did not receive a response from them and talked to a service rep who took down my information and said a complaint would be generated and I would hear back within a week. I didn't. I called yesterday XX/XX/21, to follow up on the case and was told the loan had been funded. I ask why they would fund the loan when I was not satisfied with the installation and damaged window. The response was basically, there was no one from the appropriate department to help me and to call back on Monday. 
I advised the rep that I will not be paying the loan until the damage window was replaced and why would you fund a loan when there was a dispute. Again, that was not her department and to call back Monday. 
To me, this is a direct attack on my credit and a violation of the terms and conditions of the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Credit Karma, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
To whom it may concern I have been a member on credit karma for a number of years they continue to send me referrals for credit cards saying that I was {$90.00} to 100 % pre-approved for cards I continue to apply for them as well as multiple loans continuously being denied which affected my credit score dramatically. Also they don't keep my records up to date they have false information on my account about my credit scores and I've had multiple hard inquiries but never approved a number of 10 to 12 in the last year because they kept directing me to apply because I was pre-approved and I never got approved with any of them I have a stack of denial letters from these places I applied that credit karma directed me to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2019 via XXXX Credit Card application decision ( denied based on 2 credit reporting agencies : XXXX, XXXX XXXX ). I was able to retrieve my XXXX credit report online without any problems. Since I have never heard of XXXX I faxed info for my credit report to them and have called them numerous times since XX/XX/2019 to see if they received the fax, yet no one answers at any time of the day nor have any of my msgs been returned. XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA. XXXX, Fax # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, with a physical address online as XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ). Also when I went online I found numerous people complaining about how they were scammed by this company. I have called them numerous times on XX/XX/2019 as well as on XX/XX/2019 without being able to reach anyone.

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 2019-03-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient continues to send me emails about the payment they expect from me in XXXX. They claim that my school didn't report to the XXXX XXXX XXXX XXXX. I logged into the database and it says that I am a full-time student. Therefore, there is no reason they should be sending me emails expecting payment. Their website gives you the run around when it comes to filing forms online and contacting them by email. They say if you log in you can email them. It becomes one giant circle of going around from page to page without finding the information you are entitled to. 

They keep everything under wraps and do not inform their customers of anything. This is predatory student lending or debt collection at this point. My student status was updated on XX/XX/2019. There is NO REASON they should be asking me for payment now. But they are and I'm sick to death of their terrible customer service and harassment. If they aren't doing their job and checking the database, then that's not my issue. Something needs to be done about this. They have helped my old school to rip people off, they took my money and I got nothing in return but they still have these loans. It's bad enough I have to go back to college to try and get where I should have been in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Financial Corporation of America
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 received notice/bill from Financial Corporation of America attempting to collect a false debt of {$490.00}, on behalf of a healthcare provider, for service ( s ) that I received on XX/XX/2018. Contacted my healthcare provider where services were rendered, and they have no knowledge of the debt amount nor company trying to collect! 
Called Financial Corporation on XX/XX/2018, spoke with representative " XXXX '' who could not & did not explain the charges or amount requested. I informed the rep that my services were covered & paid by my health insurance provider, and that I paid my portion/copay ( s ) of {$95.00} on XX/XX/2018. 

Financial Corporation of America are trying to collect a debt or amount that's not owed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''. 

Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On multiple occasions I have notified Chase Bank Card Services ( XXXX ) of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently Chase is reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX & XXXX of XXXX. How is that possible? I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to BMW, I was. This must be some kind of error because since XX/XX/XXXX when I started this lease, I have always maintained a on-time payments and always pay more than the minimum payment. But yet, I was reported 30 days late twice? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I recently applied for a credit card and was denied due to the reason that there was an open account with XXXX XXXX department store with a delinquent status on my report. I have never applied for nor am I on any account associated with XXXX XXXX. I believe that this information was falsely reported under my credit report because my mother and I share the same name and at one point the same address. She in fact does have an account with XXXX XXXX. I'm requesting that this wrongly reported account be removed from my credit profile. It is negatively impacting me and I have no affiliation with this account.

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 2020-11-25
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Other problem

Complaint:
Last XX/XX/2018, my credit card limit was only {$1000.00} plus the interest of about {$100.00}. I had used my credit card limit of {$1000.00} only plus the interest of approximately {$100.00}. In XX/XX/XXXX, I could not pay the full amount of interest. Then at the end of the month XX/XX/XXXX, Wells Fargo decided to charge my credit card of approximately {$2500.00} out of nowhere. I called customer service in mid XX/XX/XXXX, spoke to a XXXX, who was of no help. He could not explain the jump of {$1500.00} added on my {$1000.00} credit limit. And every couple of weeks or so, {$100.00} was added and it keeps adding. In mid XX/XX/XXXX I spoke with a couple of women on the phone, last XX/XX/XXXX and XX/XX/XXXX, who kept telling me that I had a credit limit of {$2500.00}! I explained my credit card limit of was {$1000.00}, it made no difference to them. They said that I had charges of {$2500.00}. I asked to send me the so called charges. They sent confusing pages of mostly charges and fees. Then recently last XX/XX/XXXX, I spoke to another Wells Fargo representative, who could not help me because he didn't know what to say. I'm wondering if they mixed my account with someone elses account. My credit card account was closed about five months ago. But Wells Fargo keeps charging my closed account with fees and charges. Now, my credit card has a balance of {$3000.00}! Now, I have {$2900.00} in charges that I do not owe. 

I am a senior citizen on a fixed income and I would never agree to a {$2500.00} credit limit. I only agreed to a {$1000.00} credit approximately over three years ago. So either Wells Fargo is having a computer glitch, my account was switched with another account, or I am the victim 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 2019-03-04
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. 

I noticed that I was reported 30 days late in XXXX of this year. I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to Barclay 's, I was. This must be some kind of error because since 2013 when I opened this account, I have always maintained a low balance and paid on time. But yet, I was reported 30 days late? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.

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 2018-04-29
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I did short sale on XX/XX/2010. I had the first mortgage and 2nd mortgage. The first was Chase and the 2nd was Chase Equity.  Chase took XXXX and Chase Equity {$3000.00}. 

Chase have kept charging me late charge and kept reporting the debt. I kept sent all short sale documents so many times to Chase but they have never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: SYNCHRONY FINANCIAL
State: IL
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:
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 2020-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters to the 3 main credit bureaus regarding a late payment that is not verifiable that is still reporting to my credit scores. The first letters were sent 91 days ago, then another round of letters sent 70 days ago, and the last round of letters were sent out 26 days ago. 

The one late payment from XXXX XXXX that is reporting is not verifiable as I've already spoken with XXXX XXXX and they do not report any late payments that are under 60 days. 

So how is this still showing on my credit reports?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2019-03-13
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account was not opened by me, I am a victim of identity theft and this place calls me more than XXXX times a day. I have blocked them and used various apps to block them, and then they leave dozens of voicemails threatening 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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : 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